30-day annual allowance
Product tiers with an explicit 30-day *policy-year* foreign-use cap in the encoded UK dataset.
Days, borders, and exceptions.
An original descriptive snapshot of the published terms currently encoded in this independent checker. This is not an insurer-quality ranking or a live market-wide census.
NAMED INSURERS24
PRIMARY RECORDS36
INDEX CELLS55
01 / TIME LIMIT PATTERNS
Count benefits by product tier, not by insurer.
The data includes 34 named UK policy tiers across 13 brands. Exactly 22 tiers have a published *annual* numeric limit; the remaining product entries include unspecified, per-trip or unverified limits. Totals are not comparable market shares because insurer product lines differ.
90-day annual allowance
Product tiers with an explicit 90-day *policy-year* foreign-use cap in the encoded UK dataset.
180-day annual allowance
Product tiers with an explicit 180-day *policy-year* foreign-use cap in the encoded UK dataset.
02 / THE ACTUAL INSURERS
Each source has its own exceptions.
| Insurer | Named policy tiers (selection) | Annual days encoded | Evidence publisher |
|---|---|---|---|
| AA | Silver / Gold / Platinum | 30 / 90 / 90 | AA Insurance |
| Allianz Online | Online Bronze / Online Silver / Online Gold | 180 / 90 / 180 | Allianz UK, Allianz UK |
| Saga | Saga Standard / Saga Select / Saga Plus | 90 / 180 | Saga Car Insurance |
| LV= | Comprehensive | 180 | LV= |
| Admiral | Comprehensive (not Essential) / Essential | 90 | Admiral |
| Aviva UK | Signature (without Foreign Use) / Signature comprehensive + Foreign Use / Aviva (Foreign Use included) / Aviva Gold (Foreign Use included) | 180 / 180 / 180 / 180 / 180 | Aviva UK, Aviva UK |
| 1st Central | Private car policy | 90 | 1st Central |
| AXA UK | AXA Car Insurance / AXA Plus Car Insurance | 90 / 90 | AXA UK, AXA UK |
| Direct Line | Comprehensive Plus (automatic Foreign Use) / Comprehensive + confirmed Foreign Use extension / Comprehensive (no Foreign Use extension) / Essentials / TPFT (no Foreign Use extension) | 90 | Direct Line, Direct Line |
| Churchill | Comprehensive Plus (automatic Foreign Use) / Comprehensive + arranged foreign-use extension / Comprehensive (without extension) | Not established in current evidence | Churchill |
| Tesco Insurance | Bronze comprehensive / Silver comprehensive / Gold comprehensive | 90 / 90 / 90 | Tesco Insurance, Tesco Insurance |
| esure | Comprehensive (European benefit) | Not established in current evidence | esure |
| Hastings Direct | Exact tier not independently verified | Not established in current evidence | GOV.UK |
03 / REPRODUCIBILITY
Research questions answered, and unanswered.
The index uses the public source dates shown on each cell, plus 14-day scenario calculations. No insurer claims data, current premiums, customer satisfaction, observed policy changes, or direct customer correspondence were available or invented.
Some brands appear without a tier-specific benefit because an adequate original document is not available. Those stay selectable for legal-minimum research but cannot justify a published-benefits page.