If you plan of driving overseas to set off, notify your insurance company that you’ll be driving your car overseas to ensure that you get the same level of insurance coverage when driving outside the UK. Here is how you can prepare for the right insurance before taking your vehicle abroad.
Finding The Right Cover For Your Trip
You may need to prepare for your trip in advance if you plan of taking your car abroad. To start, decide whether you prefer taking your car or hiring a car for your trip. You can make a checklist to make sure that you have adequate car insurance an breakdown cover.
Taking Your Car
When you prefer taking your car abroad, you have to check what exactly you’re covered for. You should not assume that you will have the same cover abroad as you have in the UK. Make sure that your policy covers for damage, personal liability, theft and fire. You can upgrade your policy and ensure that you’ll be covered in the destinations you’ll be driving through.
Also, you have to consider these two when you are driving your own car:
Hiring A Car
If you’re renting a vehicle for your trip, you should consider:
Car hire excess insurance
Do I Need To Get Car Insurance For Driving Abroad?
You must be fully insured if you’re driving a vehicle regardless of whether you’re driving your own car or renting.
Before Taking Your Car To Drive Overseas
Before you set off and take your car to drive abroad, you must consider:
Check Your Existing Policy
You have to verify with your car insurance company and inform them about your plan of driving abroad. When you plan to drive outside the UK, you can ask your insurer to determine if your destination is covered.
Choose The Right Cover
Choosing the right cover for you depends on the legal documents and requirements of the country you’ll be driving in. The same as the UK, you have to have at least third party car insurance to drive a vehicle in most EU countries.
Most policies with European cover will just give you third party cover except when you upgrade and pay extra to get comprehensive insurance. Find out what each cover type protects against here.
You must also check the number of days your policy will cover you. Several insurers offer up to 180 days of European cover a year, but there may be constraints on how long personal trip can last.
Getting a Green Card
A Green Card provides the minimum cover that is required by the country of your destination. It is recognized internationally as a certificate of insurance.
Most countries do not ask for this certificate any longer, granted you have your certificate of motor insurance that is already enough to prove you’re covered. However, countries such as Belarus, Morocco, Russia, and Turkey still require a Green Card.
Before Hiring A Car To Drive Overseas
When renting a car to drive overseas, your hire agreement will include a basic third party level of insurance, which is a legal requirement for you to hire and drive a car abroad. You can also consider:
Extending The Cover
There are some car hire companies that give you the option to extend your standard cover and ensure that it covers for damage, personal liability, theft and fire. You can upgrade your policy and ensure that you’ll be covered in the destinations you’ll be driving through.
Getting Excess Insurance:
Getting into an accident due to your own personal liability is not included in your cover; hence, you have to pay the excess amount. This can costs you around £2,000 depending on the car you hire.
The company where you hire the car might offer you excess insurance to make sure that you are covered. This can be costly, so its best to compare policies elsewhere to get a better deal.