Driving in Europe - Insurance question

[slf2012]

My insurance policy covers me for 45 days of driving in Europe per year, but I intend keeping my car there longer than this, albeit the majority of the time it will be off the road and I will not be driving it for more than 45 days.

if I had the car there for 60 days, with 30 of them off the road, would I be getting myself in to bother?

[Roo]

Ask your insurer?

[LoonR1]

Oh goody another daft pedantic question. If you wanted you could really add to this by saying you have limited mileage too, but your friedm will be driving the car on his French DOC too.

The answer is actually pretty simple,although your insurer will confirm the exact details.

The limit is 45 days in total. Not 45 days of use, or even 45 x 24 hours of allowed use split into segments. If you take your car abroad on Jan 1st then on Feb 14th your time is up for Fully Comp insurance. Your TP element will work all year round though, as this can't be excluded under the multiple EU Directives on this.

[spikeyhead]

If you need longer term European insurance, Stuart Collins has worked well for me before.

[liner33]

My insurance would only cover me third party in Europe despite me having fully comp at home so for the annual holiday I had to take out additional cover , so it's important to check

[TooMany2cvs]

LoonR1 said:

Oh goody another daft pedantic question. If you wanted you could really add to this by saying you have limited mileage too, but your friedm will be driving the car on his French DOC too.

Can I add to that list by pointing out that the limitation refers to _other_ European countries, since the European insurance on the OP's European-registered car is fully active all year round in at least one European country...?

[Hooli]

LoonR1 said:

Oh goody another daft pedantic question. If you wanted you could really add to this by saying you have limited mileage too, but your friedm will be driving the car on his French DOC too.

The answer is actually pretty simple,although your insurer will confirm the exact details.

The limit is 45 days in total. Not 45 days of use, or even 45 x 24 hours of allowed use split into segments. If you take your car abroad on Jan 1st then on Feb 14th your time is up for Fully Comp insurance. Your TP element will work all year round though, as this can't be excluded under the multiple EU Directives on this.

But it covers multiple trips right? Two ten day trips months apart are covered as they total 20 days for example?

It's how I always assume it works, just not quite sure from your post.

[LoonR1]

Hooli said:

But it covers multiple trips right? Two ten day trips months apart are covered as they total 20 days for example?

It's how I always assume it works, just not quite sure from your post.

That's fine. It's 45 days (or whatever the limit is with each insurer) in total, spread over as many trips as you like. Days are counted as time out of the UK not days where the car is driven.

Edited by LoonR1 on Thursday 16th April 16:12

[Hooli]

LoonR1 said:

Hooli said:

But it covers multiple trips right? Two ten day trips months apart are covered as they total 20 days for example?

It's how I always assume it works, just not quite sure from your post.

That's fine. It's 45 days (or whatever the limit is with each insurer) in total, spread over as many trips as you like. Days are counted as time out of the UK not days where the at is driven.

Ta. I thought that was how it worked.