Navigation path

Updated : 01/10/2014

vehicles

Car insurance validity

I'm living in another EU country

Your car insurance in your new home country

You must register your car in the country where you normally live.

When you register, you will have to present proof that you have insurance cover.

The authorities should accept insurance cover from any insurance company:

  • based in that country or with an office there
  • without an office in that country but authorised to provide services there.

You will have to check with your insurer whether your current contract will be valid in the country you are moving to.

Buying new insurance abroad

If your current contract is not valid in the country you are moving to, contact the national green card bureaus / information centres to ask which insurers offer car insurance in that country.

Claims history

You can ask your insurer at any time for a record of any claims you have made. They must provide this within 15 days of your asking.

But if you have to take out new car insurance in another EU country, the new insurer is not obliged to take account of your previous claims record (and any reductions it might otherwise make you eligible for) when calculating your premium.

It is likely that some insurers will consider your claims record though, so it is worth shopping around.

Sample story

Is my insurance from home valid here?

Lazlo, who is from Slovenia, moves to Britain, bringing his car, for which he has a standard Slovenian insurance policy.

Once in Britain, he'll need to contact the authorities to register his car and find out if he can drive his car there on his Slovenian insurance. If not, he'll have to take out new insurance in Britain.

I've got a good driving record at home. Why is the insurer abroad charging me a higher premium?

Rosa is from Italy and recently moved to France. She had been driving for 10 years with no claims and so the premiums for her Italian insurance were relatively cheap.

Several French insurers refused to consider Rosa's driving record in Italy, so she shopped around until she found one who would, enabling her to obtain insurance at a lower cost.

I'm a tourist

Your car insurance policy from your home country covers you throughout the EU if you injure someone.

Your car's number plate is proof that you have liability insurance. This means that police in another country will not normally stop you just to check if you are insured.

It is of course best to always take your insurance papers with you. This may make things easier if you get in an accident or are stopped by the police.

Sample story

Carry your insurance papers with you for your own convenience

Ronaldo was stopped for speeding in France. Because he did not have his insurance papers with him, the police made him call his insurer in Portugal to prove he was insured.

Even though technically you do not have to, carrying your insurance papers with you is the best way to prove you are covered and can save you time and money if you run into problems abroad.

Help and advice

Help and advice

Haven't found the information you need? Do you have a problem to solve?

Get advice on your EU rights

Solve problems with a public body

Footnote

In this case, the 27 EU member states + Iceland, Liechtenstein and Norway

Retour au texte en cours.

In this case, the 27 EU member states + Iceland, Liechtenstein and Norway

Retour au texte en cours.