Short answer: Allianz Bronze gives the legal minimum, while Online Silver and Gold publish comprehensive European cover for 90 and 180 days of the insurance year respectively. Your certificate must list the destination.
Published cover by policy tier
This table summarises the insurer’s published information for the selected country; it is not a personalised insurance quote or a confirmation that your own cover is active.
| Insurer tier | Published overseas cover | Travel-day limit |
|---|---|---|
| Online Bronze | Legal minimum liability only | 180 days / policy year |
| Online Silver | Same as home policy, subject to conditions | 90 days / policy year |
| Online Gold | Same as home policy, subject to conditions | 180 days / policy year |
Do not confuse Bronze with Gold: even though Bronze has a longer 180-day foreign-use allowance than Silver, it publishes only the minimum compulsory cover in Europe, not comprehensive protection for your own car.
Does the number of days matter?
Where the insurer sets a policy-year total, count days across previous visits, not just the current trip. Where the insurer provides a per-trip ceiling, that restriction applies alongside any annual cap. If the published overview does not define how days are counted, ask for written clarification before relying on the figure.
Proof of insurance and other gaps
The insurer’s own certificate and current policy wording govern the insured vehicle, named drivers, destination, extensions and exclusions. Confirm legal proof-of-insurance requirements at your destination. Breakdown assistance, recovery costs, transit insurance, rental-car cover and local registration can be separate from ordinary motor-insurance cover.
Before driving abroad
- Check the precise product name and tier on your policy schedule.
- Match every destination and transit country against territorial limits.
- Confirm remaining foreign-use days, driver permissions and all endorsements.
- Obtain any necessary local liability policy or proof before crossing.
- Keep your insurance and vehicle documentation available for inspection.
Original sources
Research links checked 30 October 2026. Please confirm the current policy edition and your personal schedule.
Check your exact tier.
The result changes with insurer, destination, cover type and trip duration. Run a personalised check with direct-source citations.
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