am i legal to drive a UK car in europe

ValiantSon

lilinghan8 wrote: »

I think you missed my point here. I mean, if I understand the DVLA correctly, my car is road legal in the UK, i.e. taxed, with valid MOT and insurance, it should be legal in other EU countries as well even after the first 90 days since my car has at least 3rd party cover during the whole insurance period.

No, your insurer has only insured you for 90 days in other EU countries. That's the long and the short of t. The terms of your policy only provide cover for 90 days third party. You can increase that by taking out additional insurance, but your insurers are not required to provide you with more.

lilinghan8

forgotmyname wrote: »

The car maybe road legal, but you wont be insured after 90 days, your insurance has told you this.

Thanks for your reply.
There is a confusing part. As posted by GLOOMENDOOM on the other forum:
Due to European Union law, #24 all compulsory motor insurance policies should cover the entire territory of the Community. (http://eur-lex.europa.eu/legal-content/EN/TXT/?uri=celex:32009L0103)

Even after 90 days my car has the compulsory insurance in the UK, then it should still cover the entire territory of the Community, only the optional cover that can be time limited

forgotmyname wrote: »

And if anything happens to your car can you afford to get it recovered and disposed of and buy another car whilst on your trip?

Thanks for the advice, I would definitely buy an additional European cover if my car is a brand new. But my car is a high-mileage old car. The additional insurance cost+compulsory+voluntary excess nearly cost me the same as the worst case, stolen or on fire. So why should I pay for that much money for such an unlikely situation

unforeseen

You do realise that an EU directive is NOT law? It is a directive to member states to implement within their legal framework the basics of the directive in a manner that fits in with their legal structure. It does not need to be exactly what the directive states.

System

Perhaps what is being said is that it might be technically legal to keep the car on the road, but that's not necessarily the same as your being covered to drive it?

lilinghan8

unforeseen wrote: »

You do realise that an EU directive is NOT law? It is a directive to member states to implement within their legal framework the basics of the directive in a manner that fits in with their legal structure. It does not need to be exactly what the directive states.

Morning Unforeseen,

My understanding is: If the DVLA and official EU website make such a statement, it should be supported by the Law. The directive could also be done perfectly well as a regulation in some cases.

Gloomendoom

Surely the easiest way of resolving this is simply to ask your insurance company directly.

My insurance company LV provides third party cover for the whole insurance term but I have opted to buy optional fully comp cover for a maximum of 90 days.

As long as you already have UK comprehensive car insurance or third party, fire and theft insurance, your policy should provide at least the minimum level of cover required when you drive in Europe.

But don't assume your UK policy will provide the same level of cover in Europe as it does in the UK. If you have comprehensive cover in the UK, your insurer may only provide third party cover in Europe as part of your policy.

Source

lilinghan8

Clifford_Pope wrote: »

Perhaps what is being said is that it might be technically legal to keep the car on the road, but that's not necessarily the same as your being covered to drive it?

Morning Clifford,

That is my understanding about policy as marked by red in the picture and it is why I can still drive legally after 90 days.
https://photos.app.goo.gl/YQSLYhV93ph13svk2

FlameCloud

I'm sure that diagram will hold up in a court.

Ultimately you do not seem to accepting either anyone's advise so your only choice would be to pay for a solicitor.

DCFC79

lilinghan8 wrote: »

No I post these two together since the topic is related to both of the two forums. Check the time stamp, both threads were posted before first replies.

You should have only posted in 1 forum, you could end up getting different advice.

unforeseen

lilinghan8 wrote: »

Morning Unforeseen,

My understanding is: If the DVLA and official EU website make such a statement, it should be supported by the Law. The directive could also be done perfectly well as a regulation in some cases.

Your motor insurance comes with the MINIMUM level of cover for Europe for the period of the insurance.

What that would be you would need to check in the country. For example in the UK this is Road Traffic Act . Which is below Third Party and gives you the absolute bare minimum to drive a vehicle. This is what you will have in Europe unless you get additional cover

See http://www.cii.co.uk/knowledge/reference-resources/classes-of-insurance/personal-motor/ for the cover