UK drivers are only obliged by law to have third party insurance, you don’t even have to have breakdown cover in the UK, and if you do, it generally only covers you when you are driving in Britain. Every year, more UK drivers plan to drive their vehicles in Europe, and they should not do this unless they have European breakdown cover.

While Germany is probably more like the UK when it comes to driving and car insurance, you have to have proof of third party liability before you can buy and register a vehicle. This type of auto insurance covers any damage caused to another driver, their vehicle and their property. German auto insurance like much European auto insurance is very expensive compared to the United States – good to know if you plan to drive abroad make sure that you have sufficient international cover before you set off. In Germany the risk of road accidents is higher than it is in America, largely because the country is smaller and there are, comparatively, more cars on the available road space.