EU Minimum legal car insurance cover


It is my understanding that UK car insurance policies cover you in the EU to the minimum legal requirement in the EU country as standard. Does this apply to the full term of the policy however?

I see that many policies state a maximum amount of covered days and also single trip limits but is this limit simply for the additional protection above the legal minimum required? Or is it for all cover?

In other words if I drive in the EU over the stated trip or annual duration limits am I still covered for third party liability?


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