Uk car in Europe without upgrading insurance?

lilinghan8

Dear Forumers,

I am going to stay in Germany for about 6 months and I would like to bring my car with me.

The DVLA indicates that:
"All UK vehicle insurance provides the minimum third party cover to drive in other EU countries."
(https://www.gov.uk/vehicle-insurance/driving-abroad)

But my insurance policy says:
"Your Certificate of Motor Insurance includes international cover for a maximum of 90 days in a single period of cover on a third party basis only"

So, legally, am I legal to drive a UK car in Europe without buying or upgrading current my car insurance?

Regards,
L

Warwick_Hunt

lilinghan8 wrote: »

Dear Forumers,

I am going to stay in Germany for about 6 months and I would like to bring my car with me.

The DVLA indicates that:
"All UK vehicle insurance provides the minimum third party cover to drive in other EU countries."
(https://www.gov.uk/vehicle-insurance/driving-abroad)

But my insurance policy says:
"Your Certificate of Motor Insurance includes international cover for a maximum of 90 days in a single period of cover on a third party basis only"

So, legally, am I legal to drive a UK car in Europe without buying or upgrading current my car insurance?

Regards,
L

You’ll only be covered for the first 90 days and you intend to stay for 180.

If it’s stolen then you’re not covered.

knightstyle

you need to check on German legislation, you may have to register the car there if you stay over 3 months.
If it is OK then a specialist insurance broker will find you appropriate insurance.
https://www.stuartcollins.com 01792 655562 might be able to help, they helped us when we returned from abroad.

lilinghan8

Warwick_Hunt wrote: »

You’ll only be covered for the first 90 days and you intend to stay for 180.

If it’s stolen then you’re not covered.

Thanks, but is it just not covered for theft? or for the rest of 90 days, I will be entirely illegal on road?

wgl2014

Phone your insurers and ask.

From what is on the policy I would expect you to effectively be uninsured after 90 days.

lilinghan8

knightstyle wrote: »

you need to check on German legislation, you may have to register the car there if you stay over 3 months.
If it is OK then a specialist insurance broker will find you appropriate insurance.
https://www.stuartcollins.com 01792 655562 might be able to help, they helped us when we returned from abroad.

Thanks for your reply, someone says I need to import the car if stayed over a year. Is there any official webiste I can check for that legislation, in English?

lilinghan8

wgl2014 wrote: »

Phone your insurers and ask.

From what is on the policy I would expect you to effectively be uninsured after 90 days.

Thanks for your reply, The insurer says 90days, but I am just wondering if the policy is against the rules by DVLA.

martinthebandit

lilinghan8 wrote: »

Thanks for your reply, The insurer says 90days, but I am just wondering if the policy is against the rules by DVLA.

That’s an interesting question and when you do find out from your insurers please come back and update this thread.

Thanks

Warwick_Hunt

lilinghan8 wrote: »

Thanks for your reply, The insurer says 90days, but I am just wondering if the policy is against the rules by DVLA.

Why would uk vehicle and licensing rules be breached in Germany?

Jsnb88

Not necessarily against the dvla rules 90 days is plenty for normal cover, I suspect if you where abroad any longer you would be classed as residing there.

lilinghan8

Warwick_Hunt wrote: »

Why would UK vehicle and licensing rules be breached in Germany?

I mean, if the insurer's policy for European cover is only valid for 90 days, is that against the rules by DVLA (at least 3rd party cover during the insurance period,If I understand it correctly)?