can i insure my UK car with foreign insurance

[djad1200]

Its simple, insurance here is a joke

Next year I will be opting for German ADAC for my car breakdown

But anyway is there a company in either France Germany ot Poland that will insure my UK registered car

As the prices over there are cheaper and anyone is insured to drive.

[djad1200]

I don't care how little profit they make

They take 20% of my yearly income

also I would like to see the look on someone's face who is trying to claim whiplash on foreign insurance as the word whiplash doesn't exist in Poland

If you ring up insurance over there for whiplash will laugh at you

Anyway I will keep looking

The reason why I want to pay somewhere else is because it's cheaper

I don't care whose cheaper. If it's England then they will be paid if it's somewhere else then they will be paid instead

[djad1200]

My reasoning is simple for this

1. Its cheaper
2. If I was to crash into Joe Bloggs and he starts shouting ow ow my neck im dying
and then I pull out this foreign languaged document he may think twice before trying to claim and therefore I keep my no claims

Clever or what ??

[djad1200]

I can have a UK address (where I live)
A French address (where my parents live)
A polish address (where my girlfriends spare flat is)
A German address (when I stay where my girlfriends aunties is)

Deception....... What deception :-P

[djad1200]

TooLateForAName said:

I remember seeing on one of those TV cop things a guy getting in trouble for this.

English bloke living mainly in France, UK registered car with french insurance - and the cops were doing him - and being particularly snotty about it iirc.

If only they said the company :-P

[djad1200]

My car is a jap import so getting a CoC is pretty difficult

I'll keep on with my quest and update if I find anything

Apparently there is a company in Germany that will. Just gotta give them a ring and find out.

My car is registered for LEZ4 DEKRA in Germany too. Last time I was there I got it type approved.

[djad1200]

The rest of Europe laugh at whiplash claims

Unless you're dead then you're not injured enough to get anything

Its not quite that bad but a sore neck just isn't enough

So I think the level of claims would still be the same

[djad1200]

I still stand by if it's cheaper elsewhere then why pay more. I GUARANTEE that you do this with your fuel in your car

[djad1200]

Every year when your insurance quote comest through I bet everyone looks at it and tries to get a better quote

If you do then this is thinking outside the box

All I am doing is thinking outside of a bigger box

[djad1200]

McSam said:

You really are missing the point, so much so that you look deliberately obtuse. Our insurance prices are high for a reason, because our costs are high. Other countries have lower prices because theirs costs are lower. If you bring our high costs to their low priced policies, something has to give, and that is either going to be your policy document or their prices. People hate whiplash claimants because they try and profit out of other people's long-term costs. You're trying to profit from lower insurance prices elsewhere, which will eventually lead to those prices rising.

See any parallels between you and the exact type of person you say you're trying to avoid?

McSam I TOTALLY agree with you 110% it will push our prices up because they are loosing my business
But what if I just got rid of the car ?
They would loose my business anyway

But if you could save a little bit of money on anything at all then you would be a fool not to take that oportunity.
English people love a bargain, Thats why they take out an ADAC car breakdown policy at 80Euros a year instead of paying millions with the AA or RAC

[djad1200]

Comparing this to tax evasion is quite silly really as tax evasion is illegal.
Comparing this to tax avoidance would be more sensible as that IS legal.

I am not evading paying insurance. Just avoiding paying a higher price. I WILL be having an insured car, therefore I WILL be legal.

But it would be morally wrong :P

[djad1200]

No problem McSam

I just feel that this country can be a rip off

That is why Asda are offereing 10% cheaper guarantee to bring customers back.

Its in everybodys nature to want something cheaper


McSam, If I was 100% honest with the insurer and told them I live in the UK would this be ok by you and would you want their number

[djad1200]

Sorry McSam

We misunderstood eachother

The reason why I mentioned the other addresses and deception was as a Plan B

If plan A worked which was with no deception then there wouldnt be a problem and ill pass over the number

[djad1200]

kambites said:

Another thing to consider - it's not a given that a foreign policy will provide the minimum level of cover required by British law?

TPO is minimum cover in every European country

Most European insurers insure the car and the car only

Anyone can drive it and anywhere in Europe with a permanent green card at no extra cost.

Thats the bit that I like

[djad1200]

sickrabbit said:

You can't register a car with the steering wheel on a wrong side in Poland full stop.

You can now. As of this year

[djad1200]

McHaggis said:

I think the question is becoming:

Is there a non-UK insurer that will insure a UK vehicle, for use in the UK (either from the chassis number or number plate) at a lower cost of premium, whilst providing the insurer with the facts on usage of the vehicle?

That was the question

By the way I do drive through France Belgium The Netherlands Germany and Poland every few months so that's why I worded the question like I did.

[djad1200]

aw51 121565 said:

To add to this, any insurance company offering motor insurance has to be approved by an official body - the Motor Insurance Bureau, from memory, though there are experts on the forum who will give chapter and verse I am sure - before they can offer motor insurance (this is so regular checks can be made that the insurers have sufficient funds to meet ongoing liabilities, among other things).

An early post referred to a situation along the lines of a UK-registered car being driven by a UK citizen using a French motor insurance policy in a "Road Wars"-type programme, and whose car was seized. It was seized on the basis that the foreign insurer was not recognised by the MIB.

OP will fall into this trap early on, unless he is incredibly lucky to find a Mainland EU-based insurance company that is recognised by the MIB (or whoever oversees this part of thigs).

Regards "people can drive ianywhere in the EU on a Green card" - this is genally time-limited .

Like AXA ??