Car insurance in Europe for travellers - Best Money Saver

29th November 2018by Joanna White

When you’re planning a holiday to Europe, one of the best ways to keep your travel costs down is to either hire a car or take your own with you.

However, you must ensure that you have the correct type and level of car insurance when in Europe as failure to do so could result in some pretty hefty fines.

You need to check whether you can extend your current car insurance to cover you for Europe as well, or whether you’ll need to take out a whole new policy.

There are so many car insurance providers available that offer excellent car insurance in Europe for travellers, so we’ve rounded up some of the very best in the table below.

Car insurance provider Type of cover/s European cover Available discounts
Aviva Windscreen & courtesy car 180 days per year, 90 days per trip 20% online, no claims & multi-car
Admiral Courtesy car & windscreen 90 per year, 30 days per trip No claims & multi-car
By Miles Courtesy car & windscreen 90 days per year No claims
RAC Courtesy car & windscreen 60 days per year No claims & multi-car
Debenhams Courtesy car & windscreen 90 days per year No claims


Aviva are known for their excellent car insurance policies anyway, so it’s no surprise that their car insurance for Europe is also great.

With cover for various things, and up to 180 days per year as standard for their European car insurance cover, you really can’t go wrong with Aviva car insurance.

180 days standard cover

Aviva is one of the best car insurance providers in that they offer car insurance for up to 180 days per year as standard as part of their European car insurance.

You can also enjoy cover for up to 90 days per trip as well, meaning that you can drive around Europe safe in the knowledge that you’re fully insured.

Plenty of discounts available

If Aviva’s incredible policies aren’t enough on their own to sway your decision, then perhaps their range of discounts will be!

From multi-car discounts, to no claims discounts and even 20% off when you purchase your cover online, Aviva really have thought of it all!


  • Excellent cover for a range of needs
  • Long period of time that you’ll be covered for
  • Great discounts available


  • Aviva’s European car insurance isn’t actually the cheapest on the market

While Aviva’s European car insurance policies might not be the most affordable, they are considered to be some of the most comprehensive, so you’ll be covered for a long period of time while you’re away.


Admiral offer cover for the likes of courtesy cars and windscreen cover, so you’ll be protected in the event of a chip or a crack in your windscreen.

They’re also one of the best car insurances for European cover in that they offer cover for a long period of time.

90 days of European cover

If you’re looking for one of the best places for extended periods of time of European cover, then look no further.

Admiral’s European car insurance allows you to enjoy your driving holiday without you worrying about having to arrange additional cover for while you’re away.

24-hour helpline

Should you find yourself in a predicament while you’re driving through Europe, you can call the expert team on hand at Admiral at any time of day.

If you have a question about your policy or you need to make a claim due to the comprehensive, fire and theft part of your policy then you can call the Admiral team for advice.


  • Named no driver no claims bonus
  • 24/7 emergency helpline
  • Cover for up to 90 days


  • The option to make a claim online isn’t available all the time

Admiral can assist you with anything you may need when it comes to your European car insurance.

Their expert team, as well as their comprehensive car insurance cover will have you well-protected in the event of an emergency or incident.

By Miles

By Miles are a unique car insurance provider in that they offer pay-by-mile car insurance.

The way it works is that the less you drive, the less you pay. Which also goes for By Miles’ European car insurance too.

90 days cover

With By Miles European car insurance, you’re covered for 90 days in Europe as standard. You can also take advantage of their no claims discount.

App for your convenience

By Miles also offer their own app whereby you can automatically see the cost of your journeys.

The app also shows you handy driving tools and any reminders that you may need to be aware of.


  • 90 days of cover in Europe
  • Easy to use app
  • The less you drive, the less you pay


  • If you drive long distances across Europe, you’ll have to pay much more for your insurance

By Miles is a great car insurance to consider for driving in Europe as you’ll be able to work out the average cost of your insurance beforehand by guessing the number of miles you’ll drive.

It may work out more expensive this way if you don’t monitor how many miles you drive, but it will also allow you to check on yourself and reduce your mileage in Europe if needed.


RAC are one of the leading providers in breakdown cover for cars and vans, but they also offer excellent car insurance in Europe.

Even though they’re generally more synonymous with breakdown cover, you’ll be able to enjoy their great benefits of their car insurance in Europe as well.

Courtesy car and windscreen cover

One of the things that comes as standard when you take out a European car insurance policy with RAC is that you’ll be covered for any courtesy car you obtain.

No claims and multi-car discount

While RAC don’t offer any online discounts, they do offer a no claims discount policy which means you can save money on your car insurance.

RAC’s multi-car discount also saves you money if you plan on insuring numerous cars in Europe if you’re driving around as a large group of people, for example.


  • Multi-car discount and no claims
  • Courtesy car and windscreen cover
  • European breakdown cover


  • No online discount
  • Only 60 days of cover

RAC are one of the greatest choices for car insurance in Europe as you’ll also be able to make the most out of their European breakdown cover too.

You may only be covered for 60 days (which is not as long as other providers), but you can still drive around Europe for up to 60 days at a time which means you can enjoy a leisurely drive around your favourite European countries!

What you need to know

If you’re looking to embark upon a European road trip, or you’re just going on a driving holiday to Europe for a week or two, you’ll need to ensure that you’ve got fully comprehensive car insurance that’s valid in Europe.

Here are some of the most important things to remember for car insurance in Europe for travellers.

Your level of cover

One of the first things you should check with your car insurance provider is your level of cover.

It may differ from your regular UK cover, if you’re taking out car insurance with your current provider, so make sure that you check exactly what level of cover you have.

Breakdown cover

Another important thing to know about car insurance in Europe is whether your policy includes breakdown cover or not.

Some car insurance providers will allow you to simply extend your current breakdown cover over to your European car insurance policy which will make it much more convenient for you.

The countries you’ll be covered in

While you may presume that you’d be covered for every country in Europe when you take out European car insurance, there may be some exceptions whereby you’re not covered in every single country.

It’s important therefore, to make sure you check exactly which countries you’re covered in.

Checklist for driving in Europe

While driving in Europe, it’s imperative to ensure that you have fully comprehensive car insurance so that you’re covered for every eventuality while driving abroad.

There’s also a number of things you should remember to bring with you on your European driving trip, so that you’re fully prepared and equipped:

  • Your full driving licence
  • Breakdown policy documents
  • Car insurance documents
  • Travel insurance documents
  • Car registration document
  • European Health Insurance Card (EHIC)

Conclusion – car insurance in Europe for travellers

When travelling around Europe in a car, it’s imperative that you have the proper car insurance so that you’re fully covered while you’re on the road.

Hopefully the guide above will give you some inspiration for the best car insurance providers to use while driving in Europe! Make sure you compare all providers in order to make a well-informed decision. You should also remember to bring all the relevant documents with you when driving in Europe.