Isn’t it wonderful family vacation-we-just-dreamed-in-France? Maybe you’re relocating to Spain! Or you’re taking your car over to Germany for work. But car insurance wouldn’t stop you! There are some ways round tricky rules about car insurance driving from the UK to Europe. You have to know them.
So now you are prepared for insurance advice about driving your licensed vehicle in Europe here, of course, you will not forget all the specifics that will make your trip a smooth one, not just safe.
All About Your UK Car Insurance in Europe
Your UK car insurance will give you limited cover in Europe-in fact, not as much as you might think. Typically, you’ll get minimum legal cover required in the country you’re visiting. This tends to be third-party only, covering damage that you cause to others but not damage to your car. In addition, the basic cover usually has a time limit.
Green Card System
The Green Card used to be the most important document; it proved that you had the necessary car insurance. Now, after Brexit, it is not always necessary; however, it is highly recommended to have one, for a Green Card confirms that you have valid insurance and speeds process should you have an accident. Check with your insurer if you need one.
Territorial Coverage
Most likely, all UK car insurance policies will cover you in many countries of Europe, such as the EU and almost always, Switzerland, Norway, and Iceland. However, there might be several policies leaving certain areas off: generally, areas defined by policy as higher risk may not be covered. Check your policy to discover what is covered. The Schengen Area is the area, which allows distance without border checks. However, it does not contain all of the countries where your car insurance extends.
Time of Coverage
Your UK car insurance may only cover you for a short stay in Europe, i.e., 30 days, 60 days, or 90 days. If planning to stay longer, you will need to extend your cover. Don’t take it for granted! There are several options available to extend your cover for the entire trip.
Extending Your Car Insurance for Your Travels within Europe
Want more extended coverage for your trip? And here is the procedure by which you can extend your guard.
Contacting Your Current Insurer
Your first step should be talking to your current insurer. Ask whether they permit you to extend your policy for Europe. There may be a minimal fee for extended cover. Ask them for answers to such questions like:
- How much will it cost to extend my insurance coverage?
- What level of coverage will I receive in Europe?
- Are there particular countries my policy won’t cover?
- What happens if I have an accident?
Note that extending your policy may still have its limitations and, furthermore, can be quite a sum of money.
Temporary European Insurance Policies
The other possibility-based option is short-term covering to travel in Europe. Such policies are designed specifically for driving in Europe.
Benefits:
- Usually offers wider coverage
- Developed for European roads
- May cost less than extending your UK policy
Multi-Car Policies and European Travel
Have you got a multi-car policy in the UK? Check with your insurer for taking multiple cars to Europe. Each car needs the right cover. Make sure all drivers are included on the policy.
Factors that affect the cost of European car insurance
There are many things that affect the value of the payment.
Type and Amount of Car
Type and value: What type/how big is the car? It will be more expensive to insure a high-value sports car than a family sedan or classic car which has special insurance requirements.
Driver Profile
The age of the driver, driving history, and the type of license possessed largely influences the costs. Young motorists are charged more. Accidents recorded will increase yearly premiums. Addition of drivers can also be a factor in influencing costs.
Destination Countries
Some countries are recognized by the company as high risks. For example, an individual driving in Italy will pay more than one driving in Belgium. Check how your destination affects your insurance price.
Essential Documents and Preparations
These are the documents that one must have to make a successful trip.
Driving License Requirements
Most UK driving licenses are valid in Europe, but you may additionally need an International Driving Permit (IDP). Check the specific requirements for the countries you wish to visit.
Vehicle Registration Documents
Carry these documents with you:
- V5C (vehicle registration document)
- Insurance certificate
- Passport
- Green Card (if required)
Breakdown Cover
European breakdown cover is very important. It helps if your car breaks down. You can buy this from your insurer. Or, from a specialist breakdown company.
Conclusion
Driving in Europe requires proper planning with UK car insurance. Be aware of the policy coverage. Extend it should there be a need. It also includes the documents you will require.
Do your homework. Do not be negligent in securing cover. Ensure a stress-free European road trip by understanding well your car insurance needs.
