Travelling abroad by car can be an exciting and rewarding experience, whether on vacation or on business. However, it's essential to understand how car insurance works when you decide to cross borders. This article outlines the basics of car insurance abroad, what it's useful to know to ensure you're covered in the event of an accident, and how to take out international car insurance if necessary, choosing the right cover for the trip. You can never be too careful to enjoy a trip with complete peace of mind. So be smart and follow the guide!
Territorial validity of car insurance
Before setting off abroad, it's crucial to check the territorial validity of your car insurance. The Green Card, also known as the International Motor Insurance Card, is the document that certifies coverage abroad. The countries covered by the insurance are indicated on this card.
- Countries covered: in general, French car insurance covers the countries of the European Economic Area (EEA), as well as Switzerland, Andorra, Iceland, Croatia, Norway and Lichtenstein. If you travel to one of these countries, you're covered by your French insurance without any problems
- Countries not covered: some countries are not included in the Green Card, while others, although included, are crossed out on the Green Card. When you travel to one of these countries, you need to take out specific car insurance to be covered
how do I take out international car insurance?
If your chosen destination is not covered by your current car insurance, there are several options for taking out international car insurance:
- Find insurance in France: some insurance companies offer extended coverage for trips abroad. Check with your current insurer to find out whether they offer this option
- Taking out insurance at the border: it is sometimes possible to take out temporary insurance at the border, whether with a French or foreign insurer
- Insurance at customs : in some countries, you can take out car insurance at customs on arrival
- Local insurance: if none of the above options is available, you may consider requesting a car insurance quote from a local insurer to take out insurance in the destination country
Why take out international car insurance?
International car insurance is essential for a number of reasons:
- Compulsory in many countries: in many destinations, car insurance is compulsory, and driving without insurance can lead to heavy fines and even immobilization of the vehicle
- Protection in the event of an accident: in the event of an at-fault accident abroad, the driver must assume responsibility for material damage and bodily injury caused to the victim. International auto insurance provides financial protection in such situations
What cover should I take out for a trip abroad?
When taking out international car insurance, you need to choose the cover that best suits your needs. Here are the main types of coverage to consider:
- Civil liability: this is essential, and covers any damage you may cause to third parties in the event of an at-fault accident
- Additional cover: depending on the contract, you can add additional cover such as theft, fire or glass breakage
- All-risk insurance: this formula offers maximum protection and also covers damage to your own vehicle, even in the event of an at-fault accident
- Assistance: assistance cover is crucial when traveling abroad. It covers towing, on-site repairs, and can even include a replacement vehicle
What documents should I take with me on my trip?
When you travel abroad, make sure you have the following documents with you in case of an accident or check-up:
- Identity document
- Valid driver's license
- International driving license (1)
- Certificate of car insurance
- Green card (or international insurance certificate if required)
- European accident report
(1) This document is available from your local prefecture. It is required for driving in certain countries where the European license alone is not sufficient. For example, in the United States, you need both a European and an international license to drive. In China, on the other hand, the European and international licenses are not recognized. A Chinese driver's license is required to drive in China.
Practical tips for saving on international car insurance
In addition to the essential information mentioned above, here are a few practical tips on how to save money on your international car insurance:
- Compare offers: before taking out international car insurance, take the time to compare the various options available. Rates can vary considerably from one insurer to another, so it's best to make sure you choose an offer that suits your needs while staying within your budget
- Use your credit card insurance: some credit cards offer international car insurance as a cardholder benefit. It's a good idea to check with your credit card company to see if this option is available and if it meets your needs.
- Opt for a higher deductible : by accepting a higher deductible, you can reduce the cost of your insurance premium. You simply need to be prepared to cover this deductible in the event of a claim
- Avoid unnecessary cover: you should always make sure you understand the cover included in your insurance contract, and not take out cover you don't need. For example, if you already have international health insurance, you can avoid taking out additional medical cover
By following these tips, you'll save money while obtaining adequate coverage for your trip abroad. Never forget that the key is to find the right balance between coverage and cost.
