Does Geico Cover You Overseas? What You Need To Know About Their Auto Insurance Policies

GEICO offers overseas insurance for your car, motorcycle, and personal property. This is available if you are living outside of the United States, including in Belgium, Germany, Italy, Mexico, Canada, the United Kingdom, and Spain. GEICO's overseas insurance is provided through its affiliate, GEICO Financial Services GmbH, which acts as your agent and arranges coverage from high-quality overseas insurers who are licensed by the country you'll be living in. GEICO also offers marine insurance to cover your vehicle during shipping.

GEICO's overseas insurance

GEICO offers overseas insurance for cars, motorcycles, and personal property. This is available to those living outside the United States, including members of the military, government employees, expatriates, and third-country nationals.

GEICO has provided overseas insurance through its affiliate, GEICO Financial Services GmbH, since 1960. GEICO Financial Services GmbH acts as the customer's agent and arranges coverage from high-quality overseas insurers who are licensed by the country the customer will be living in. Coverage options vary by location, but are available in more than 30 countries. In most locations, customers can purchase coverage for liability, comprehensive, and collision. GEICO's overseas insurance policies do not extend to other people's vehicles or any vehicles used for business.

GEICO's 12-month overseas auto policies come with competitive rates and all of the documents needed to register a vehicle. The company also offers personal property policies to protect valuables, as well as marine insurance for customers who are shipping their vehicles. GEICO also provides stateside coverage for those returning to the United States.

Driving in a foreign country

Make Sure You Can Drive Abroad:

Before you go, check the driving requirements of the country you're visiting. Some countries may require more than a US driver's license. Consider obtaining an International Driving Permit (IDP), which translates your license into different languages and is widely recognized internationally. Keep in mind that you must be 18 or older to obtain an IDP, and rental car companies may have their own age restrictions.

Understand Your Insurance Options:

Your GEICO auto insurance policy may not cover you outside of the United States. Research your insurance options before you go, especially if you plan to rent a car internationally. Contact your credit card company to see if they offer rental car coverage, but be sure to understand what is covered. The rental car company will also offer their own insurance options, so it's essential to research and compare different choices.

Familiarize Yourself with Local Driving Customs:

When driving abroad, you may encounter differences in road rules, signage, and even the side of the road you drive on! Stay alert, especially when navigating intersections and roundabouts. Rent a GPS or bring your own with international maps to help you navigate. Avoid using your smartphone's GPS to prevent expensive data roaming charges.

Plan Your Route:

Driving in congested city centers can be challenging, especially if you're not familiar with the area. Opt for public transportation in heavily congested areas, which is often excellent in European countries. If you need to drive, plan your route in advance to avoid getting lost and ending up in high-traffic areas.

Practice Safe Driving Habits:

Just like at home, follow essential safety precautions when driving abroad. Always wear your seatbelt, avoid distracted driving, and never drink and drive. These simple precautions can help ensure your safety and reduce the risk of accidents.

Understand Your Destination's Requirements:

Before you go, research the specific insurance and driving requirements of your destination. Some countries may have mandatory insurance requirements or special license plate tags. Planning ahead will help ensure that you comply with local laws and have a smooth driving experience.

Remember, driving in a foreign country can be a unique and exciting experience, but it's important to be prepared and informed. By following these tips, you can navigate the roads with confidence and enjoy your journey to the fullest!

International rental car insurance

If you're renting a car abroad, you should consider purchasing international rental car insurance to protect yourself from potential damages or accidents. GEICO auto insurance policies do not cover you in foreign countries outside of North America, so it's important to obtain additional coverage.

Before renting a car internationally, check with your credit card company to see if they offer coverage for rental cars. If they do, be sure to understand what is covered under the policy. The rental car company will also offer their own insurance options, so it's worth researching these in advance and selecting a company you're familiar with.

When driving a rental car in a foreign country, be aware that the steering wheel may be on the opposite side, and you may need to drive on the left side of the road. Additionally, rental car companies may only offer manual transmissions or charge extra for an automatic vehicle. Familiarize yourself with the vehicle and local driving laws before hitting the road.

When obtaining international rental car insurance, carefully review the policy details, including any exclusions or limitations. Be aware of any deductibles or out-of-pocket expenses that may apply in the event of damage or an accident. It is also important to understand the specific insurance requirements and laws of the country you are visiting, as they can vary widely. Planning ahead and purchasing coverage in advance of your trip will ensure that you are protected while driving a rental car internationally.

International motorcycle insurance

When travelling with your motorcycle in a foreign country, you are typically required to carry proof of insurance. In addition, most countries will not release your motorcycle from Customs without proof of insurance. Therefore, it is crucial to research the specific insurance requirements of your destination country before you travel.

• Liability: Coverage for property damage or injuries to others caused by the insured.
• Collision: Coverage for damage to your motorcycle in the event of a collision.
• Comprehensive: Coverage for non-collision damages, such as theft, vandalism, or natural disasters.
• Medical Payments: Coverage for medical expenses incurred by the insured as a result of a motorcycle accident.
• Accessories: Coverage for motorcycle accessories and equipment.

Where can I get international motorcycle insurance?

Several companies offer international motorcycle insurance, including:

• Clements Worldwide: Offers worldwide coverage with protection against collision, theft, and damage. They also provide optional coverages such as political violence coverage and duty coverage.
• Motorcycle Express: Provides "Green Card" insurance for Europe, including liability, physical damage, and theft coverage.
• Sunrise Group International Insurance: Offers international motorcycle insurance for clients coming to the US.
• Tour Insure: Provides "Green Card" insurance for Europe, with liability coverage of up to €2,500,000.
• Fernet Insurance: Specialises in temporary motorcycle insurance for foreign nationals visiting the US or Canada.

When purchasing international motorcycle insurance, it is important to consider your comfort level as a rider in a foreign country. Riding in a new environment with different road laws and surroundings can increase the risk of accidents. Therefore, it is advisable to evaluate your situation and comfort levels before your trip and purchase appropriate coverage.

International property insurance

Moving to another country involves numerous logistical challenges, including protecting your personal belongings in your new location. International property insurance, also known as home contents or personal items insurance, fills this role by safeguarding your possessions during a move, while in transit, or at your overseas residence. This type of insurance is designed for individuals relocating abroad, whether they are members of the military, government employees, expatriates, or third-country nationals.

A reputable international insurance provider like GEICO can arrange coverage for your personal property in numerous countries, including Belgium, Germany, the United Kingdom, Italy, and Mexico. Their affiliate, GEICO Financial Services GmbH, acts as your agent and collaborates with reputable overseas insurers licensed in your destination country.

When considering international property insurance, it's essential to understand what is typically covered. Most policies provide comprehensive protection against risks such as theft, vandalism, fire, and breakage. They may also include transit and shipping insurance, ensuring your items are covered during transportation by truck, ship, or airplane. Additionally, some policies offer specific coverage for high-value items like jewelry, fine arts, computers, and musical instruments.

For businesses expanding their operations globally, international property insurance becomes even more critical. As your business ventures into new territories, you will encounter unfamiliar laws, languages, and customs that introduce a host of liability risks. International property and casualty insurance can serve as your first line of defence against costly lawsuits and unforeseen losses.

Reputable insurance providers like Travelers Insurance and SAHOURI offer tailored solutions for businesses operating across borders. They understand the specific liability risks associated with different regions, such as Asia, Africa, and Europe. By partnering with local experts in their International Network of Insurance (INI), Travelers can provide comprehensive coverage in over 110 countries. Similarly, SAHOURI's international property and casualty insurance team can help you navigate the complexities of international laws and regulations, ensuring compliance and minimizing potential losses.

In conclusion, international property insurance is a vital consideration for both individuals and businesses with overseas interests. It provides peace of mind, safeguards your assets, and helps you navigate the complexities of international laws and risks. By partnering with reputable insurance providers, you can ensure that your property, whether personal belongings or business assets, is adequately protected no matter where you are in the world.

Frequently asked questions