For some reason Brits are under the impression that because you aren’t boarding a plane you don't need travel insurance, travel agents add to this false sense of security by not offering travel insurance as readily or as adamantly when selling European driving holidays. The reality is you always need travel insurance, after all your UK or European driving holiday still has risks that you need to protect yourself against.

Just because you are choosing to drive to the south of France doesn't mean that at the last minute one your children may fall ill and require hospitalisation forcing you to cancel the trip. In such an instance money may not be at the forefront of your mind, but it will get there and you will have to face up to the fact that you will not get your money back for the unused villa and any prepaid excursions simply because you didn’t think to get holiday insurance which would have covered you for cancellation.

Similarly while you and your family are enjoying the summer surf Newquay has to offer, your caravan can still be broken into and all your belongings can still be stolen, therefore you still need travel insurance. In such an instance the comfort drawn from knowing that your travel insurance will cover you and your loved ones possessions is priceless. Surfing equipment is far from cheap and opportunists are more than willing to relieve your car of its contents while you and your family grab dinner.

Woozy from the holiday happy haze that the sun has filled your head with, you are likely to be more relaxed about security and it is then that mistakes are made, yes you locked the car but you left some of your expensive equipment on the back seat and now the cars been broken into, confident that your car insurance will cover the losses you make that call to report it. It is now that you realise that your particular policy’s cover has automatically been downgraded to third party only when you left the UK and drove onto foreign soil subsequently your belongings are not covered and you still have half your holiday left.

In such instances you are solely responsible for making your car roadworthy, if the glass was smashed to gain access then unless you want a DIY convertible you will need to make sure the glass is replaced asap as thieves will take advantage of such a vulnerability and the breeze will not be nearly as desirable as you may think. Taking the time to look for the right travel insurance will benefit you and your family greatly as you simply cannot put a price on protection.