Going on vacation abroad with your car remains tempting. It is indeed an opportunity to be autonomous and to be able to move freely from one country to another. However, be careful: depending on the destination (s) chosen, it is essential to check the elements present in the auto insurance contract. Because if in France, insurers offer coverage in European Union countries, as well as in certain other territories, it is necessary to take precautions for countries where French insurance does not cover any costs. What guarantees should be provided? For which profiles? How to save on auto insurance for travel? Here are the elements to consider to take the road serenely.
How do you know if auto insurance is working in a foreign country?
If it is essential to take out insurance to be able to drive on French roads legally, you should know that the cover can apply to other territories. When you take out car insurance in France and want to hit the road to go to one or more foreign countries, the first instinct to have is to check the green card. The countries in which we are covered are indeed mentioned there. These are the 28 member countries of the European Union as well as certain other territories such as Switzerland and Andorra.
On the other hand, we also note that on the green card, some countries are crossed out, which implies that the coverage of his insurance contract is excluded. For these countries, as for all those which do not appear on the green card, it is then necessary: either to subscribe to a specific auto insurance with your insurer, or to subscribe to an automobile insurance with the customs authorities during the passage. at the border.
If in doubt about the application of cover abroad and the steps to take before leaving by car, it is always recommended to check with your insurer. It is indeed difficult to master all aspects of the contract.
Which protections for which drivers?
There are three main types of auto insurance in France. This is the minimum insurance, known as third party insurance (it covers damage caused to a third party, but not damage committed to the car), comprehensive insurance, which covers almost all the damage that is incurred. can inflict on a third party as well as those that can be suffered, and finally third party insurance more which is a kind of compromise between these two insurances.
At the same time, there are also different types of conductors. On the one hand, there are experienced drivers, who have been on the road for many years and on a regular basis. As a result, they may be tempted to leave with their insurance without extended coverage. On the other hand, there are novice drivers, who subscribe to young driver insurance in France, and to whom we advise you to be particularly vigilant in the event of a road trip abroad.
In any case, experienced drivers with third party insurance, as well as young drivers, are highly recommended to opt for an extended warranty when traveling abroad. This is the best way to be protected since logic dictates that the more you ride, the more risks you take. By requesting an extension of guarantee covering all risks during a trip outside France, all drivers are certain to be covered and assisted, whoever is responsible for the accident. The points on which it is very important to be covered during a stay abroad with your personal car are theft, repair of the vehicle on site or even the repatriation of people and the vehicle if necessary.
How to save money for travel auto insurance abroad?
Today, the Internet has become a precious ally for drivers who wish to benefit from auto insurance adapted to their driving and their lifestyle. It is therefore advisable to use online comparators. As their name suggests, these tools allow you to compare different quotes and choose the one that matches your financial capabilities. But they also make it possible to compare several offers for specific guarantees as well as the formulas to favor according to his profile and his needs. This includes auto insurance for travel abroad.