European Car Insurance - Fully Comp & Unlimited time

ianthy

Hi


I am currently insured with Stuart Collins fully comp and unlimited driving time in Europe. I am looking for a cheaper alternative company that can provide the same. I have tried Herts Insurance, LV, Saga plus a number of others that on closer examination are offering min insurance to drive in Europe e.g. 3rd party only.

Recommendations gratefully recieved.


Thks

johnnyreggae

Yours is a very specialist policy which is why it costs more and is not available easily

Some policies cover up to 3 months in one year comprehensive overseas without extra payment eg M&S

ianthy

johnnyreggae wrote: »

Yours is a very specialist policy which is why it costs more and is not available easily

Some policies cover up to 3 months in one year comprehensive overseas without extra payment eg M&S

Thanks Johnnyreggae - I really need unlimited. This year we will be in Europe (outside the UK) for 7 months. The max I have found is 6 months but the small print states 3rd party cover only.

GolfBravo

Try ASDA - they supposedly include a 365 day European policy.

dacouch

GolfBravo wrote: »

Try ASDA - they supposedly include a 365 day European policy.

Third Party Only Cover

"Can I drive abroad on my policy?
Your policy will automatically cover you to drive in any countries which are members of the European Union to the minimum level of insurance required (usually third party only). If you require a higher level of cover please contact us and we can arrange this."

http://money.asda.com/car-insurance/faqs/

It's also for SDP use only

vaio

dacouch wrote: »

Third Party Only Cover

"Can I drive abroad on my policy?
Your policy will automatically cover you to drive in any countries which are members of the European Union to the minimum level of insurance required (usually third party only). If you require a higher level of cover please contact us and we can arrange this."

http://money.asda.com/car-insurance/faqs/........

Yep, as part of us being in the EU all UK policies must give unlimited cover (in terms of time) in other EU countries but, as you say above, the requirement only gives you enough cover to be legal so basically third party only.

If you want more you need to negotiate it with your insurer

.......It's also for SDP use only

I'm less sure about the SDP only bit, I'd have thought that my automatic EU cover would need to cover the same classes of use (and drivers) as my UK cover so as I've got business cover then it would also apply EU wide. Be interesting to see a link on it if you've got one.

dacouch

vaio wrote: »

Yep, as part of us being in the EU all UK policies must give unlimited cover (in terms of time) in other EU countries but, as you say above, the requirement only gives you enough cover to be legal so basically third party only.

If you want more you need to negotiate it with your insurer



I'm less sure about the SDP only bit, I'd have thought that my automatic EU cover would need to cover the same classes of use (and drivers) as my UK cover so as I've got business cover then it would also apply EU wide. Be interesting to see a link on it if you've got one.

I was referring to Asda where they upgrade cover to the same as the UK eg Comprehensive

http://car-insurance.asda.com/common/policydocs/asda/MIP/3114ASDAmipPW.pdf

"Foreign Use
In addition to this minimum cover the insurance provides the cover shown in Your Motor Policy Schedule in any country referred to above, subject to Your permanent place of residence being within the UK, Isle of Man or The Channel Islands.

This extension is provided for the purpose of travel only.

Cover under this section includes:
• Transit by road, sea or rail in or between countries referred to above
• If Your Car is not fit to drive and is in or between countries referred to above
and providing You have loss or damage covered under this Policy and We agree
beforehand, We will reimburse any customs duty You may have to pay
What is Not Covered
• driving other cars. If Your Certificate of Motor Insurance allows the Policyholder to
drive any other car, that cover does not apply outside of the UK, Isle of Man or The
Channel Islands
• any loss, damage or liability when Your Car is taken outside of the UK, Isle of Man or
The Channel Islands for any reason other than a temporary visit for social, domestic and
pleasure purposespage
• any loss, damage or liability if Your permanent place of residence is not within the UK,
Isle of Man or The Channel Islands

any decision or action of a court which is not within the UK, Isle of Man or The Channel
Islands is not covered by this Policy unless the proceedings are brought or a judgement
is given in a foreign court because Your Car was used in that Country and We had
agreed to cover it there.
• any loss, damage or liability if Your Car is being used for commuting or in any
business capacity

Page 34 and 35

WTFH

I'm not sure on the insurance side of things, but you will need to speak to the companies to check. I know from the point of view of HMRC that if you are out of the country for more than 182 days in any year, then they don't consider you a permanent resident.

vaio

dacouch wrote: »

I was referring to Asda where they upgrade cover to the same as the UK eg Comprehensive

http://car-insurance.asda.com/common/policydocs/asda/MIP/3114ASDAmipPW.pdf

"Foreign Use
In addition to this minimum cover the insurance provides the cover shown in Your Motor Policy Schedule in any country referred to above, subject to Your permanent place of residence being within the UK, Isle of Man or The Channel Islands.

This extension is provided for the purpose of travel only.

Cover under this section includes:
• Transit by road, sea or rail in or between countries referred to above
• If Your Car is not fit to drive and is in or between countries referred to above
and providing You have loss or damage covered under this Policy and We agree
beforehand, We will reimburse any customs duty You may have to pay
What is Not Covered
• driving other cars. If Your Certificate of Motor Insurance allows the Policyholder to
drive any other car, that cover does not apply outside of the UK, Isle of Man or The
Channel Islands
• any loss, damage or liability when Your Car is taken outside of the UK, Isle of Man or
The Channel Islands for any reason other than a temporary visit for social, domestic and
pleasure purposespage
• any loss, damage or liability if Your permanent place of residence is not within the UK,
Isle of Man or The Channel Islands

any decision or action of a court which is not within the UK, Isle of Man or The Channel
Islands is not covered by this Policy unless the proceedings are brought or a judgement
is given in a foreign court because Your Car was used in that Country and We had
agreed to cover it there.
• any loss, damage or liability if Your Car is being used for commuting or in any
business capacity

Page 34 and 35

Ahh, I see, the SDP use limit only applies to the negotiated own damage part and not the mandatory third party bit.

dacouch

vaio wrote: »

Ahh, I see, the SDP use limit only applies to the negotiated own damage part and not the mandatory third party bit.

Felt it needed pointing out, as otherwise the OP could have gone with Asda and either ended up with TPO cover or if they had uprated to comprehensive (I suspect it would be prohibitively expensive) they may have not realised they only had SDP cover

InsideInsurance

vaio wrote: »

Yep, as part of us being in the EU all UK policies must give unlimited cover (in terms of time) in other EU countries but, as you say above, the requirement only gives you enough cover to be legal so basically third party only.

Technically they must give the lowest legal minimum in that country. In the UK it would be RTO which is below TPO as it would cover an accident on anything not covered by the Road Traffic Act.

Not a European expert but its probable that some countries have lower legal minimum covers than the UK and so they'd be further below RTO.