Do all UK insurance polcies cover the very basic insurance Third party only for driving in the EU?
I have looked on various sites on the net and many state that all uk insurance policies must have TPO cover in the EU.
www.rightquote-car-insurance.co.uk/driving_abroad....l being 1.
But my insurers are saying im not covered. I am 18, so that meets the minimum age requirements of france etc driving licence wise so i now only require the insurance right?
According to my friend who knows about insurance, there should be automatic minimum EU cover as this is provided by law on all policies unless otherwise stated?
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You'll need a Green Card whatever that is. Your insurance co will give you one.
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See other threads - green cards are no longer compulsory in most EU countries, but the recommendation is that you have one as it helps in the event of an "incident".
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And many ins companies will charge, rather than give you one...
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I was also under the impression that all policies cover you for third party in the EU. If you have Fully Comp and wish that to apply you will need a Green Card. Some policies have this as an automatic right free for say 14 days - others you will have to pay for. I think it is also the case that these can be issued for a minimum of 14 (or is it 15) days so even for a day trip it will cost you for that. Mine cost me £18 last time for a 3 day trip (would have been the same for 14/15 days) - but for peace of mind I think it's worth it.
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At one time a green card was req'd but this has not been the case for many years. Some cos. still provide them and I suppose that could be useful if you cross paths with an awkward or uninformed foreign policeman.
Further to my post above, my son's certificate does not include cover in the EU. However, the policy document makes it clear that minimum cover is provided under a clause headed 'E.U. Compulsory Cover'. That's with Direct Line.
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Your insurance certificate will contain the relevant wording if you are covered. AFAIK, your friend is right and EEC rules require insurance cos. to provide the minimum cover required by law in each country, irrespective of the driver's age. You don't need to tell the ins co. that you're going abroad.
But you won't be covered for theft or damage and might have to pay duty (import tax?) if the car is written off abroad and not returned to the UK. Normally, the cost of extending the insurance is nominal e.g. 10 or 15 pounds. What have they quoted you?
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>>EEC rules require insurance cos. to provide the minimum cover required by law in each country,
The thing is, the legal minimum insurance cover in this country is effectively aligned with your areas of liability.
This is not always the case and in some countries the legal minimum insurance will be less than your potential legal liability. And that can be less in $ or less by areas of exclusion.
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Surely folks the only answer is ----read your policy
My Saga policy gives me unlimited use in the EU ,fully comp, no Green card ,no need to tell them.
Outside EU cover is minimum required by the country I`m in,Green card needed and I must tell them.
Simple
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