Hi, current DL customer with my MX, we travel to Europe regularly from here in the UK. 3rd party only, unless you pay. We did a month this summer for something like £75 which is their one-month fee? It extends your full policy to the EU, so full cover. Does add up, when you consider a number of other insurers include full EU cover as standard. Hidden fee as @Upgraded says. This summer for eg, my trip straddled my policy year, so they were going to charge me £75 twice. Took many calls to several layers of supervisors to explain I needed the extended cover for only 30 days, and that the 30 days spanned two policy years was their issue not mine....