UK Ferry Tickets

If you are planning to go on a self drive holiday in the coming months then you’re probably planning what you’re going to pack, what clothes you’ll need to buy, accommodation and how much money you’ll need to take with you. This is obvious really as it is all part of the excitement of going on holiday. You’ve probably thought to take out travel insurance as well, but did you know that there are two other types of insurance that are an absolute must before going on a self drive break?

Every person that goes on a self drive holiday to Europe should have three types of insurance. That is, you should have three types of insurance if you own or rent your home. The reason for this will become clear in a moment. 

The following insurances are absolutely essential because between them they will protect your interests whilst you’re away:

Travel Insurance – This is the most obvious one, but not everybody chooses to take out a policy. It should be a part of any good holiday purely and simply because it provides you with peace of mind should anything happen. For example, if a member of your family is taken into hospital with food poisoning then you know that the travel insurance will cover any medical bills should it be necessary. If your caravan or hotel room is broken into then it doesn’t matter what’s gone because your travel insurance will cover it. Of course, both of these problems might just put a dampener on your holiday but it won’t ruin it if your insurance company can help you to replace what’s lost and bear the burden.

Car Insurance – Every driver going on a self drive holiday is legally obliged to have car insurance. It’s the same on the Continent as it is at home – if you don’t have car insurance then you’re on the road illegally and can be prosecuted as a result. You should make sure that the insurance for your car or for your rental car is comprehensive in its coverage. It is worth asking your insurance company how far you are covered just in case. There is nothing worse than getting into an accident and finding that you are libel for damages because your coverage wasn’t good enough or didn’t count because you were outside of the UK.

Home Insurance – This is one I guarantee that you won’t think about. If you are on holiday though, what happens if someone breaks into your house or something happens to damage it? This is why it is essential to have home insurance in place before you go. Another element of home insurance is that it will often cover you for things that travel insurance does not. For example, you have personal possessions cover on home insurance that will cover items that your travel insurance won’t, such as your mobile phone. As such, obtaining a policy if you don’t already have one is a great idea.

Guest Article by Louise Crowley

Tuesday, July 15th, 2008