Car insurance is a legal requirement wherever you drive.
When looking at car insurance for Europe, you'll need to at least have third-party cover in place. But, as with driving in the UK, this only covers you for damage you cause to others, their property or their vehicles.
A standard UK car insurance policy should include third-party cover for you to drive in European Union (EU) countries for up to 30 days.
You can usually get the same cover in the following European countries that aren't in the EU:
Your level of cover can vary depending on the insurer. If you have an existing policy, you can find out whether your policy covers driving in Europe by checking your policy details or contacting your insurer. If you’ve not bought your policy yet, you can check the policy details or speak to the insurer before buying.
Even if you have comprehensive cover in the UK, you're likely to only have third-party cover for driving in Europe.
So always check your policy details to see exactly which countries your policy covers and how much cover this includes.
For more peace of mind while driving abroad, consider upgrading to comprehensive cover.
Your insurer may charge you to upgrade your cover. But if you're involved in an accident that's your fault, or the fault is unknown, you’ll be able to make a claim to cover vehicle damage or personal injury to yourself.
As with any standard car insurance policy, there are 3 levels of cover available, but not all are available for driving in Europe.
Comprehensive
Third-party
Third-party, fire and theft
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You can find out more information from the government website about driving in the EU, but here are a few other considerations before you leave for your trip:
Along with insuring your car, don’t forget to buy your travel insurance before you go. You can compare quotes with us for all European and EU countries.
You'll need a UK identifier sticker on your number plate throughout Europe. This applies even if you have an old GB sticker on it.
You'll need to adjust your car's headlights for driving on the opposite side of the road at night. This is so they don't dazzle other drivers. Pick up a headlamp converter kit before you cross the channel.
Many countries require you to have additional safety equipment in your car. This typically includes:
Check the rules for the countries you'll be driving in.
Only 4 countries in Europe drive on the left:
As well as driving on the other side of the road, be prepared for different road signs, traffic systems and driving customs.
lets you prove you’re a safe driver, and save money on your policy, even if you’re inexperienced or seen as high risk.
offers cover for owners of classic cars. For insurance purposes, a classic car can be any car that’s older than 15 years.
covers you if you use your car for work, including travelling between offices or across the country.
All UK vehicle insurance companies provide third-party cover in EU countries, so most annual insurance policies will give you at least 30 days over to drive in Europe. But you should always check the exact terms and conditions with your provider. Before opting for the cheapest cover a brand provides, make sure you consider what you'll be using your car for.
If you want comprehensive cover, talk to your insurer and possibly upgrade before you leave the UK.
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