A colleague of mine passed me an email about a recent incident where a SP in Germany had a car fire, only to find that the 'BFG' insurance policy was a UK domestic one and the Insurance company has refused to underwrite it - claiming the fault lies with the Broker, well-known in BFG for selling insurance and other financial products. The matter has been referred to the FSA for arbitration, however here are some keys points that personnel in Europe may wish to consider: Read the extremely fine detail in the policy booklet about accidents outside of the UK. Do not assume because it is a ‘BFG’ policy that these restrictions do not apply. Clarify the restrictions (hours/distance/geographical location) that might apply to additional services such as legal assistance, vehicle recovery, accident repair and replacement vehicles. [these are often sold as add-ons to the main policy and may be underwritten by other companies]. If the policy was sold by a broker, ring the insurance company and confirm that they are aware that you are based abroad and it is a ‘BFG’ vehicle. Check that you have regular direct dial numbers to call [ie not UK 0800 numbers] and that the insurance company has the means of handling overseas claims (ie a European claims partner who can deal with the claim in the HN language). It's a pity the BFG VLO didn't pick this up! SP abroad should also clarify the services they get with Premium debit cards from their Banks - often sold with all sorts of 'services' - very few of these are applicable outside the UK!