Insuring your car abroad
Your UK policy will provide cover in EU countries to meet their minimum legal requirements, but this may not be enough if you have an accident. Nor will it cover you for theft or damage to your car, and may not cover your legal liabilities to other people. Some insurers will ask you to pay an additional premium for comprehensive cover whereas others give it at no cost. If you are a regular traveller to the continent check with your broker who will select the most appropriate choice for you. You may need to advise your insurer of any overseas trip.
If you don’t tell your insurer and have an accident, you may find yourself paying for the extra costs that would have been incurred had the accident happened in this country, provided the insurer agrees to deal with the claim.
When you start your policy ask your broker if you have an EU certificate and if it is necessary to tell them about journeys less than 30 days to Europe.
If you do not have a EU certificate, or are travelling outside Europe you will need to give your broker plenty of notice that you wish to order a green card. This will provide the necessary evidence that your policy meets the legal requirements for third party liability in the country you are visiting.
However always ensure that if you do travel outside the UK your insurance policy will extend the same cover to Europe. Some policies will only give the minimum legal requirement in the country visited which will not necessarily be the same as the cover you have in the UK and in this scenario will certainly not provide cover for loss or damage to your vehicle.
Consumer advice on driving abroad during the holiday season.
With many consumers choosing to drive aboard during their holidays, BIBA is offering the following advice to ensure that consumers stay within the law and stay safe:
- To help reduce the chances of breaking down, have your car serviced before you take it abroad
- Contact your broker or insurer to make sure that you have adequate cover for driving abroad. Some companies limit comprehensive cover to a fixed number of days abroad in one trip
- Make sure you take your driving licence, vehicle ownership and motor insurance certificate with you when driving abroad
- Make sure that you familiarise yourself with the motoring laws of the country you will be driving in by checking with the Foreign and Commonwealth Office. In some countries you are required to keep emergency items, such as a warning triangle, first aid kit and/or fluorescent jacket in the vehicle at all times
- Make sure that your emergency medical and travel insurance are up to date.
Click here to download European Health Insurance Card.
To ensure quality cover at competitive premiums, motorists should contact their broker. To find your nearest local BIBA broker visit the ‘find a broker’ section or contact BIBA’s dedicated Find a Broker service – 0370 950 1790.