To what extent does the scope of the EU extend?

Hello, I have a detailed question about my car insurance. It is about insurance cover abroad of my motor vehicle liability and insurance in cash. In the AVB is the following:”You have insurance cover in the motor vehicle liability insurance within the geographical borders of Europe as well as the non-European territories which belong to the scope of the European Union. Your insurance cover depends on the insurance sum prescribed in the country of visit. “You have insurance cover in Kasko in the geographical borders of Europe and in the non-European territories which are part of the scope of the European Union.” What is meant by the phrase “area of application of the EU”. Is there a binding definition for this. Yesterday’s phone call to the customer hotline was not informative and I unfortunately could not find anything on the net. Thank you for your help. Re trouble, Metehan