Vehicle Travel Insurance more than 90 days ?
Discussion
It's very hard to find long term cover. Some will do "full year" cover but only when broken down into short trips. Some let you stay for a longer trim but are more limited on overall days.
The only place that I've found that do true full year cover is: https://www.stuartcollins.com/
The only place that I've found that do true full year cover is: https://www.stuartcollins.com/
SimonTheSailor said:
Most car insurace seem to do up to 90 days only for Euro travel. Anybody know anybody else ?
It's a bit of a trick, but the time limit is set per insurance year. So if your policy expires halfway through the period when the car is out of the UK, you can get two bites at the cherry.That's what I did with Admiral and it worked out fine getting the car insured in France for 5 1/2 months.
I used to be with LV. I thought their cover was 180-days but a max 90-day single trip.
I moved to AVIVA they said 90-day max, but when I needed 105-day single trip, they demanded an extra £200.
My French car insurance policy covers for me elsewhere in EU for 180-days, because that is the break point where the car should be registered in the new country.
I think UK insurers have made their own silly rule, for the simple reason being “that they can”. There is simply no justification as the greatest risk when driving in another country is when you just cross the border. It is possible to detect different driving characteristics in France, Spain, Italy, Belgium, Holland and Germany. However, IMHO, non are particularly difficult to grasp. Driving is driving.
I moved to AVIVA they said 90-day max, but when I needed 105-day single trip, they demanded an extra £200.
My French car insurance policy covers for me elsewhere in EU for 180-days, because that is the break point where the car should be registered in the new country.
I think UK insurers have made their own silly rule, for the simple reason being “that they can”. There is simply no justification as the greatest risk when driving in another country is when you just cross the border. It is possible to detect different driving characteristics in France, Spain, Italy, Belgium, Holland and Germany. However, IMHO, non are particularly difficult to grasp. Driving is driving.
rdjohn said:
I used to be with LV. I thought their cover was 180-days but a max 90-day single trip.
I moved to AVIVA they said 90-day max, but when I needed 105-day single trip, they demanded an extra £200.
My French car insurance policy covers for me elsewhere in EU for 180-days, because that is the break point where the car should be registered in the new country.
I think UK insurers have made their own silly rule, for the simple reason being “that they can”. There is simply no justification as the greatest risk when driving in another country is when you just cross the border. It is possible to detect different driving characteristics in France, Spain, Italy, Belgium, Holland and Germany. However, IMHO, non are particularly difficult to grasp. Driving is driving.
Hmm, not sure I'd entirely agree with that. For sure you can see different driver personalities in each country, but some of the local rules can be difficult to adjust to when you have the UK ingrained in your thinking.I moved to AVIVA they said 90-day max, but when I needed 105-day single trip, they demanded an extra £200.
My French car insurance policy covers for me elsewhere in EU for 180-days, because that is the break point where the car should be registered in the new country.
I think UK insurers have made their own silly rule, for the simple reason being “that they can”. There is simply no justification as the greatest risk when driving in another country is when you just cross the border. It is possible to detect different driving characteristics in France, Spain, Italy, Belgium, Holland and Germany. However, IMHO, non are particularly difficult to grasp. Driving is driving.
I've spent the most time driving in Germany and situations like pedestrian crossings in cities can really catch you out. For example, when the lights go green and you want to turn right it is normal that the pedestrians/cyclists are also green to cross the road you are turning in to. Cyclists in particular will head straight across the road at full speed without looking, having absolute faith the car will stop - it terrifies me! In scenarios like this I know I am more of a risk than I would be in the UK.
The 180 days on your French policy is interesting though, given how common it is for people to work across borders in certain areas. I never asked the Dutch/Belgians where I was how their policies coped with a daily commute to another country.
OP: I'm not sure how you are planning to use the car while you are away, but its worth checking how the insurance works when you are away from the car. From memory when I was searching, some policies weren't happy for you to leave the car abroad while you returned home. Also check out breakdown cover - most policies have very limited days of European cover.
I believe that all UK policies cover you automatically for driving in the EU (at least until Brexit). This is 3 party only. My policy says:
"In compliance with EU Directives this policy provides, as a minimum, the necessary cover to comply with the laws on compulsory insurance of motor vehicles in: 1. Any country which is a member of the European Union. 2. Any country which the Commission of the European Communities is satisfied has made arrangements of Article 8 of EC Directive 2009/103/EC relating to civil liabilities arising from the use of a motor vehicle."
"In compliance with EU Directives this policy provides, as a minimum, the necessary cover to comply with the laws on compulsory insurance of motor vehicles in: 1. Any country which is a member of the European Union. 2. Any country which the Commission of the European Communities is satisfied has made arrangements of Article 8 of EC Directive 2009/103/EC relating to civil liabilities arising from the use of a motor vehicle."
Egomeister said,
The 180 days on your French policy is interesting though, given how common it is for people to work across borders in certain areas. I never asked the Dutch/Belgians where I was how their policies coped with a daily commute to another country.
It is only the number of consecutive days in another country that count - crossing the border daily for work is all part of freedom of movement with the EU. That is unlikely to happen from the UK, except within Ireland, for the time being.
The 180 days on your French policy is interesting though, given how common it is for people to work across borders in certain areas. I never asked the Dutch/Belgians where I was how their policies coped with a daily commute to another country.
It is only the number of consecutive days in another country that count - crossing the border daily for work is all part of freedom of movement with the EU. That is unlikely to happen from the UK, except within Ireland, for the time being.
I had more than 90 days in Spain, and my policy renewed just before the 90 was up so it restarts the clock. Also be aware that a fully comp policy is only fully comp in the UK, so your policy in Spain is only TPF&T. To bump up to fully comp you have to buy the green card from your insurer.
I spend a lot of time in Europe - I used to do the renewal mid trip wheeze - and have also booked crossings I haven't taken, but could be used as 'evidence' of a shorter trip.
I am now lucky enough too be over 50 as SAGA was the only one I could find with truly unlimited European cover.
Breakdown cover is a different matter thought
I am now lucky enough too be over 50 as SAGA was the only one I could find with truly unlimited European cover.
Breakdown cover is a different matter thought
Gassing Station | Holidays & Travel | Top of Page | What's New | My Stuff