However, esure’s Adrian Webb explained that most policies only covered third party damages.

Mr Webb said that it was important the drivers contacted their provider and arranged additional cover before driving in Europe.

“People have got very confused over this whole area; people seem to have absorbed the view erroneously that having an insurance policy with a UK company covers you anywhere within the EU,” he explained.

“EU cover is worth nothing to you – it’s only worth anything to someone you hit.

“Don’t ever take on a car abroad without having checked that there’s an insurance policy in place for that car that covers you. Otherwise you’ll be in for a very nasty shock.”

A recent report from Halifax suggested that Britons drive 15 billion miles each year on holiday road trips.

Paul Birkhead, of Halifax Travel Insurance, commented at the time: “From Easy Rider to Road Trip, popular culture has glamorised heading out on the open road. Millions of Britons have been inspired to hit the highway and embrace the freedom provided by a holiday road trip.”

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Insurance firm esure claims that many Britons travel abroad without the necessary cover despite the fact that, according to RAC research, they are three times more likely to be involved in accident in Spain or Portugal compared to the UK.

Many Britons mistakenly think that a comprehensive policy in the UK will provide the same level of cover in the EU but it translates only into third party cover, meaning that an accident will cover the other car and not that of the UK policy holder.

Adrian Webb, head of corporate communications for esure, suggests that anyone considering driving abroad must talk to their insurance company prior to making their trip.

He said: “Don’t ever take on a car abroad without having checked that there’s an insurance policy in place for that car that covers you.

“Otherwise you’ll be in for a very nasty shock. There’s a history of people making assumptions and coming up a cropper with foreign use of cars.”

Research by RAC also showed that three million British motorists head too the continent via the channel tunnel every year.

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• Name, address, and phone number of the company
• Seal activation and expiration dates
• Ratings and reviews
• A customer service contact
• A link for complaints to the company or to the seal provider

A website should be able to answer most common questions without ever contacting the company. Look for the support section where they have a list of frequently asked question about the company, services, travel insurance rates, policies etc. Also, look for travel insurance certificate or outline of coverage document that will cover all the details including the “fine print”.

For pricing, it is important to look for website that offer quoting capabilities or offer chart with detailed chart rates. Make sure to look for restriction or activities that might require additional coverage such as scuba diving, mountain climbing or skiing etc. When ordering your plan, make sure the page you are ordering from is a secure page. Secure web page address should start with “https” and your browser should show you a padlock at the lower right hand corner of the browser.

Finally, make sure that the “contact us” page on the travel insurance site gives you the ability to contact them via email and phone.

Your vacation can take a year to save for, only a second to ruin and that’s why we recommend purchasing Travel insurance through AIG Travel Guard. Starting at $30.

Auto Insurance free quotes

Your vacation can take a year to save for, only a second to ruin. We recommend purchasing Travel insurance through AIG Travel Guard. Starting at $30.