International Car Insurance

If you live in or frequently visit a foreign country with your car, an international car insurance policy could be the best option for you. International car insurance differs from a simple extension which may be available on your standard car insurance policy. Such extensions normally come with a maximum cover period of 30 consecutive days, a limit of 90 days within one year and are usually restricted to personal use only. If you find this restrictive, an international car insurance policy could be suitable for you.

An international car insurance policy can give you more flexibility in the time you spend abroad. This flexibility is especially suited to diplomats, expatriates and various international businesses who require the more extensive cover. An international car insurance policy could provide this through longer cover periods and higher levels of cover.

International Car Insurance and Travelling Abroad

When you're looking to travel abroad with your car, it is wise to check the laws and regulations which are specific to the countries you will be driving through. Some may deem international car insurance not suitable, meaning that you will need to buy cover from one of their "local" car insurance companies. A good source of information on whether an international car insurance policy is suitable is the Foreign Office website.

International Car Insurance Cover

You should ensure that your international car insurance policy provides you with cover against damage to third parties, criminal damage (such as riots, hijacking and armed robbery) as well as severe weather (such as hurricanes, earthquakes and flooding).

When arranging an international car insurance policy, find out whether you can receive a discount for multiple cars. This is especially suitable if you're buying cover for a fleet of business vehicles and saves you from buying individual international car insurance policies for each vehicle.

You should also check that a claim payment on an international car insurance policy is payable in the currency of your choice. This will remove any currency commission fees charged by your bank if you need access to the claim payout whilst you're abroad.

If you are planning to drive in mainland Europe or Ireland for less than 30 consecutive days and for no more than 90 days in one year, it may be more cost effective to speak to your current car insurance company about European car insurance cover. It is likely they can offer you a simple extension to your existing policy.