Simon:
Bear in mind guys. UK only policies are perfectly reasonable for the UK. It’s quite difficult to inadvertently slip over the border to a neighbouring country.
As long as you don’t plan to leave the UK, in your car, there’s no need to pay any extra insurance costs for other countries.
That’s true as long as the insurance companies are able to give you cheaper insurance thanks to that. I am not believe in that though, I would rather be not suprised if that’s do not cost them extra (as thanks to green card system most european countries mutually respect national insurances) but it’s just another oportunity to charge us more if we have special foreign needs…
Or, maybe, driving abroad is more risky for Brits due to driving on the right?