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- Licence essentials
- Getting insured
- Getting the right international car insurance for you
- Green card
- Breakdown cover
- International driving checklist
- Compare car insurance
What to do when driving abroad?
Choosing the best car insurance when driving abroad can be a struggle. Follow our simple guide to ensure you get off to the right start.
Licence essentials
Before you start searching for an international car insurance policy, it is important to make sure you have the legal right to drive in the country you plan to visit. British drivers are typically allowed to drive in all European Union (EU) member states, as well as in the European Economic Area (EEA) and Switzerland. However, it is advisable to carry a green card, which is a document that proves you have insurance cover. In some cases, having a green card can help to simplify the process if you are stopped by the local authorities. The green card is usually obtained for free, but some insurance providers may charge an administrative fee.
If you plan to drive in a country outside of the EU, EEA or Switzerland, you will likely need to obtain an International Driving Permit (IDP). IDPs are issued by the Post Office, the AA, or the RAC, and they allow you to drive in countries that recognize IDPs. To be eligible for an IDP, you must be over 18 years of age and have a full driving license. Additionally, you must be a resident of the UK or Northern Ireland. It is important to note that having an IDP does not replace the need for an international car insurance policy.
Getting insured
Getting insured for international travel is a critical step in ensuring that you are protected against any potential accidents or damages while driving abroad. If you are a resident of the UK, it is important to check with your existing insurance provider to determine if they offer international car insurance cover. Some insurance policies may cover you while you are abroad, but it is best to confirm this with your provider before leaving the UK.
When planning an international trip, it is important to inform your insurance provider of your travel plans. This will allow them to advise you on whether you need to upgrade your existing policy or purchase a new policy to cover your time abroad. When choosing an international car insurance policy, it is important to consider the level of cover you require. There are different types of policies available, each with varying levels of cover. It is important to ensure that you are not under-insured and that your policy provides sufficient protection for your needs. It is recommended to carefully review the policy details and cover limits before making a final decision.
Getting the right international car insurance for you
It’s entirely up to you to decide between third-party only, TPFT (third-party damage, fire, and theft), or comprehensive cover. However, ensure you understand the differences prior to your trip.
Third-Party Only Insurance
Third-party only insurance covers accidents for which you are at fault. It provides protection for other people, including passengers, and their property or car. If, for example, you hit a parked car or collide with another vehicle, third-party only insurance will cover damages to their car and passengers, as well as any medical expenses.
It is important to note that this type of insurance does not cover damages to your own car or injuries to the driver of your vehicle. You will need to pay for these expenses out of your own pocket. The purpose of third-party only insurance is to ensure that other people who are affected by an accident can claim compensation for their losses.
Third-Party Damage, Fire, and Theft (TPFT) Insurance
TPFT insurance offers protection against third-party accidents, theft of your car, and fire damage. In the event your car is stolen, it will provide replacement cover. Additionally, it covers damages that occur during theft from your vehicle.
This insurance type also covers fire damage, whether it was caused by arson or an accident. However, for arson-related fires, a police incident number will be required.
Comprehensive Coverage
Comprehensive insurance provides cover for all the situations mentioned above, as well as damages to your car and injuries sustained by you. Although it used to be considered the most expensive type of insurance, it is now only slightly more expensive than third-party cover.
If you plan to drive in Europe, it’s a good idea to inquire about extending your comprehensive cover to include that area. There may be an additional cost for this extension, but it is worth checking. If your insurance company allows this, they will provide you with a green card, which is a free, internationally recognized document that serves as proof of international car insurance in Europe.
If your insurance company does not offer the option to extend your policy, you may still be able to add cover for Europe as an extra, but be sure to read the fine print. Some companies limit the length of the cover, typically to 30 days.
Green card
The green card serves as evidence of insurance cover in a specific country, but it is not a standalone international car insurance policy.
While a green card is not mandatory for driving in most parts of Europe, having one can make the process of making a claim, exchanging information with another driver, or dealing with the police easier.
Breakdown cover
Having breakdown cover is always advisable, especially when you’re driving in a foreign country. Consider the inconvenience of breaking down in a remote location, such as the middle of a forest in Germany, with a garage miles away and you being unfamiliar with your surroundings.
In such a scenario, the cost of repairing your car and transporting it back from a foreign country can be incredibly expensive, making it more economical to have breakdown cover in place.
Before you travel, it’s a good idea to verify with your insurance provider if you already have European breakdown cover on your policy or if you can upgrade it. For more comprehensive information on breakdown cover while abroad, refer to our guide on the subject.
International driving checklist
Don’t let poor preparation ruin your trip abroad. Follow this comprehensive checklist to ensure a safe and enjoyable trip on the road.
Essential Documents:
- Passport
- Full driving licence
- International Driving Permit (if required)
- Vehicle registration documents (for personal or rental car)
- Authorisation letter (if driving a company vehicle)
- Insurance documents and green card
- Breakdown cover policy (if separate from insurance)
- Travel insurance documents
- European Health Insurance Card (EHIC) or UK Global Health Insurance Card
Important Equipment:
- Red warning triangle
- High visibility jacket (reflective)
- First aid kit
- Headlight beam converters
- UK sticker for car exterior
- Tool kit
- Torch
- Fire extinguisher
Vehicle Preparation:
- Check fluid levels (water, oil, coolant)
- Check tire pressure and tread
- Place a UK sticker on the car
- Convert headlights (remember to change back upon return)
- Consider getting your car serviced before the trip
- Ensure proper safety equipment for children (baby or child seats)
And don’t forget to have a great time!
Compare car insurance
Comparoo is a comparison website that allows you to compare car insurance quotes from over 110 providers. By using Comparoo, you can find the cheapest car insurance policy that suits your needs. With just a few clicks, you can compare policies from different providers and find the best deal.
Comparoo allows you to compare policies based on different factors such as cover, deductibles, and discounts. This means that you can find a policy that fits your budget and your cover needs.
On average, Comparoo customers can save up to £504 by comparing car insurance quotes. This is a significant saving that can help you to lower your car insurance costs and keep more money in your pocket.
If you’re looking for cheap car insurance, Comparoo is a great resource to help you find the best deal. With over 110 providers to choose from, you’re sure to find a policy that fits your needs and budget.
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