>> Insurance should cover EU countries as a standard requirement but it seems Insurance Companies put a restriction on it.
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There is an EU requirement that any motor insurance should cover the minimum legal requirement in all EU countries.
In most circumstances this will mean you are covered 365 days of the year out of the UK, but in the EU, for something akin to 3rd party risk, but unless you pay for it, you will not be covered for anything more, including all those risks which are covered on a comprehensive insurance in the UK, such as damage to your own vehicle.
These "non-minimum" risks can, of course, be covered in the EU for various periods as defined by your insurer, usually on payment of an additional fee.
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