International Vehicle Insurance

If you live abroad or visit foreign countries often, it can be difficult to arrange satisfactory insurance. Nearly all of the UK's largest motor insurers will not insure their customers if they are abroad for more than 30 days. If they do, it will probably be for personal use only.

If you live in a foreign country for an extended period it is important to ensure that your vehicle is properly insured at all times. International vehicle insurance is specially designed to meet the needs of:

• Diplomats.
• Expatriates.
• Humanitarian organisations.
• International businesses.
• International charities.
• International schools.
• Religious orders.
• United Nations agencies.

Insurance in a Foreign Country

The first problem for residents abroad is to check the local laws of the country in which you reside. Some countries require you to be insured by local companies because a 'foreign' insurance policy may not include third party liability car insurance. Policies often need to be arranged locally to comply with the laws and regulations of the country where the vehicle is being used. The best time to seek advice is before you leave the country and the best place to find it is probably the Foreign Office website.

International Vehicle Insurance should include cover for:

• Accidental damage, fire and theft risks.
• Protection against windscreen breakage and for fitted accessories such as audio equipment.
• Additional protection against riot, civil commotion, hijacking and armed robbery.
• Hurricanes, earthquakes and flooding.
• Payment of the purchase price for a seriously damaged or stolen car that is less than 12 months old (on Non-commercial Policies only).
• Immediate cover anywhere in the world (except the USA and Canada).
• Multiple vehicle and fleet discounts.

Additional policy benefits may include:

• Mature driver and limited driver discounts.
• No Claims discount available.
• Fast and efficient claims services including immediate authorisation for essential and minor repairs.
• Payment of claim settlement direct to a personal bank account and in the currency of choice.