Jane Dotson
If you're an overseas guest in the US, you'll need car insurance to drive legally. The type of insurance you need will depend on how long you're staying in the country and whether you're bringing your own vehicle or renting one. For short-term visits, you can usually purchase insurance from a rental agency. However, if you're bringing your own vehicle, you'll need to buy insurance from a US-based agency, and some agencies don't insure foreign drivers. GEICO and Progressive are two companies that offer insurance to drivers with foreign licenses. It's important to note that insurance requirements vary from country to country, so be sure to research the specific requirements of your destination country.
| Characteristics | Values |
|---|---|
| Company | GEICO |
| Applicable for | Long-term visitors |
| Undocumented immigrants | |
| Short-term visitors |
What You'll Learn
International car insurance for expats
International car insurance is a necessity for expats who want to take their vehicle to a foreign country. This is because your domestic car insurance policy will likely not cover you in another country, and driving without insurance is illegal in most places.
When taking your car abroad, it's important to research the specific insurance requirements of your destination country, as they can vary widely. Some countries may require certain types of coverage or proof of insurance before allowing you to drive on their roads.
For example, if you're bringing your car to Mexico, you'll need a separate international auto insurance policy specifically for Mexico, as your US policy won't be valid there. On the other hand, if you're an EU resident with an EU auto insurance plan, your plan will cover you in any EU member state.
If you're a short-term visitor to the US and renting a car, you can usually purchase insurance from the rental agency. However, if you're bringing your own vehicle, you'll need to purchase insurance from a US-based insurance agency, and keep in mind that some agencies don't insure foreign drivers.
For expats in Europe, Clements Worldwide offers comprehensive international car insurance in most countries. Their coverage includes physical damage, excess liability, and third-party liability in select countries. GEICO Financial Services GmbH can also assist expats moving to Europe with international car insurance, as well as marine transit insurance for shipping vehicles.
For expats with a car in the UK, Keith Michaels Insurance offers specialist expat car insurance, accepting foreign no claims bonus and international driving experience. They can also provide cover for up to 180 days of European travel if you have a permanent address in Europe.
When choosing an international car insurance policy, it's important to consider the different levels of coverage available, such as third-party liability, worldwide car insurance (physical damage), and excess liability. You should also be aware of the factors that influence your premiums, such as the number of drivers, the type of vehicle, and driving experience.
By investing in international car insurance, expats can drive with the confidence and peace of mind that they are protected and compliant with local regulations.
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Driving abroad with your own vehicle
Driving your own vehicle abroad is a great way to explore a new country or region, especially if you plan to take an extended trip or drive through multiple countries. However, it's important to ensure you have the correct documentation and insurance in place before embarking on your journey. Here are some key things to consider when driving abroad with your own vehicle:
Insurance
It is essential to check that you have the right insurance coverage for the country or countries you will be driving in. The insurance requirements vary across the world, so it is your responsibility to research the specific regulations for your destination(s). Your current insurance provider may offer international coverage or be able to direct you to a specialist company. Some countries may require you to purchase insurance from a local provider, while others may have reciprocal agreements with your home country's insurance system.
Driving Licence and International Driving Permit
You will need to carry your valid driving licence with you when driving abroad. Additionally, depending on the country you are visiting, you may also need an International Driving Permit (IDP). An IDP is a translation of your driving licence, ensuring local authorities can understand your licence details. You can obtain an IDP from certain shops with PayPoint, and you may need one for each country you visit.
Vehicle Documentation
If you are taking your own vehicle abroad, you will typically need to bring your log book (V5C) and your insurance certificate. If you are hiring or leasing a vehicle in your home country and taking it abroad, you may need a VE103 certificate. It is also worth checking if your country of destination requires any additional documentation.
Local Driving Rules and Equipment
Overseas driving rules and regulations can vary significantly from those in your home country. It is crucial to familiarise yourself with these rules, including speed limits and drink-driving laws. Some countries may also require you to carry specific equipment, such as a reflective jacket, a warning triangle, or an emission sticker. If you are hiring a car, it is your responsibility to ensure you have the necessary equipment.
Adjustments to Your Vehicle
When driving in certain countries, you may need to make adjustments to your vehicle. For example, if you are driving on the opposite side of the road, you may need to adjust your headlight beam to avoid dazzling oncoming drivers. You may also need to add or change mirror positions for better visibility.
International Motor Insurance Card Systems
Depending on your destination, you may benefit from obtaining an International Motor Insurance Card. These cards are recognised in over 40 countries, primarily in Europe, and provide proof of third-party insurance coverage. There are various card systems in place, such as the Green Card, Orange Card, Blue Card, and Pink Card, each with its own set of participating countries.
Additional Considerations
When driving your own vehicle abroad, it is essential to consider the unique circumstances of your destination. For instance, some countries may have volatile currencies, so ensuring your insurance policy protects you against currency fluctuations is vital. Additionally, if you are travelling to a remote area, research the availability of spare parts and mechanics with the expertise to repair your vehicle if needed.
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Temporary policies for visiting motorists
When visiting a new country, it is essential to ensure that you have the right auto insurance coverage. The requirements for auto insurance differ from country to country, and your home country's policy may not meet the standards of your destination country. Here is a guide to temporary policies for visiting motorists:
Understanding International Auto Insurance
International auto insurance is designed for individuals who are taking their vehicles to a foreign country. It provides financial protection and ensures compliance with local regulations while driving in a foreign country, just as your domestic auto insurance policy would in your home country.
Requirements and Coverage
Insurance requirements vary across the globe. A global car insurance policy ensures that you meet the requirements of your destination country. In general, international auto insurance covers:
- Physical damage from accidents, attempted theft, natural disasters, or political violence.
- Personal injury for you or your passengers in a car collision.
- Uninsured motorist coverage in case of a collision with an uninsured driver.
- Liability coverage to protect you from out-of-pocket expenses for repairs or treatment if someone is injured or their property is damaged in an accident.
- Rental car coverage when travelling back to your home country.
- Vehicle storage protection if you leave your car in your home country.
Temporary European Car Insurance
If you are planning a trip to Europe, your existing annual insurance policy may only provide third-party level cover, and it may not cover you if you drive a car other than your own. Temporary European car insurance can fill this gap and provide you with the necessary coverage.
A temporary European car insurance policy can cover you for as little as a few hours or up to 28 days. It allows you to drive anywhere in the UK and all EU member states, providing third-party equivalent European cover, which is the minimum level of cover required in any EU country.
Obtaining Temporary Car Insurance
You can obtain temporary car insurance by contacting an insurance provider that offers this service. When applying, you will need to provide personal details such as your name, address, date of birth, licence type, and how long you have held your licence. You will also need to provide information about the vehicle, such as its registration number and value.
It is important to note that temporary car insurance providers may have eligibility criteria that you must meet, such as age requirements, residency status, and driving record conditions.
Additional Considerations
When driving abroad, there are a few additional considerations to keep in mind:
- Ensure you have all the necessary documents, including your driver's licence, car registration documents, insurance documentation, breakdown policy, travel insurance, and a European Health Insurance Card.
- Check if your destination country requires a Green Card, an international certificate of insurance that proves your insurance meets the minimum coverage requirements.
- Consider obtaining separate European breakdown cover, as repairs and vehicle repatriation can be costly, especially on long journeys.
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Insurance requirements for driving in a foreign country
When driving in a foreign country, it's important to ensure you have the correct auto insurance coverage. The requirements for auto insurance vary depending on the country and even the state you're visiting, so it's essential to research the specific insurance requirements and laws of your destination. Here are some key things to keep in mind:
Insurance Requirements
Before embarking on your trip, check the specific insurance requirements of the country or state you'll be driving in. Some countries may require certain types of coverage, such as liability coverage or uninsured motorist protection. It's also important to note that insurance coverage can vary widely between countries, so it's crucial to understand the local regulations. In some cases, your existing insurance policy may provide the minimum third-party cover required by certain countries, but it's always best to check.
International Driving Permit
If you're driving in a foreign country, you'll typically need a valid driver's license from your home country. Additionally, some countries may require an International Driving Permit (IDP). An IDP translates your driver's license into multiple languages and serves as proof that you're licensed to drive in your home country. Remember to obtain your IDP before your trip, as it cannot be issued in the country you're visiting.
Rental Cars vs. Personal Vehicles
If you're renting a car, you can usually purchase insurance directly from the rental company. This option is typically more convenient and affordable for short-term stays. However, if you're driving your own vehicle, you'll need to ensure you have adequate insurance coverage from a local or international insurance provider.
Understanding Coverage Types
When purchasing auto insurance for a foreign country, familiarise yourself with the different types of coverage available. Common coverage options include liability coverage, damage waivers, medical expense coverage, uninsured/underinsured motorist protection, and personal injury protection. Each type of coverage serves a specific purpose, so choose the options that best suit your needs.
Insurance Providers
Some insurance companies specialise in providing coverage for foreign drivers, while others may have restrictions. For example, companies like Progressive and Farmers in the US are known to offer policies to foreign drivers. In contrast, others like Geico, State Farm, Esurance, and Allstate require a US driver's license. Contact insurance providers directly to inquire about their policies for overseas guests.
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International rental car insurance
Understanding International Rental Car Insurance
Firstly, it's crucial to understand that your domestic auto insurance policy may not cover you when driving abroad. Most US auto insurers, for example, only provide coverage for driving in Canada and Mexico. Therefore, it is essential to research the specific insurance requirements of your destination country, as they can vary significantly.
Purchasing International Rental Car Insurance
You can usually purchase international rental car insurance from the rental company or through credit card companies. When obtaining this insurance, carefully review the terms and conditions to ensure you have adequate coverage. Some policies may have exclusions or limitations, leaving you vulnerable in certain situations. Additionally, be aware of any deductibles or out-of-pocket expenses that may apply in the event of damage to or an accident with the rental car.
International Driving Permits
Depending on your destination, you may need an International Driving Permit (IDP) to rent a car and drive in a foreign country. An IDP is an official translation of your domestic driver's license data into multiple languages and is recognised in over 150 countries. Even if not required, an IDP can be helpful when renting a car or dealing with authorities in a country that does not primarily speak your language.
Rental Car Insurance Costs
The cost of international rental car insurance can vary. Credit card companies that offer primary rental coverage may charge a flat rate for this benefit, while rental car companies typically charge a daily rate for their collision damage waiver (CDW) or loss damage waiver. This daily rate can range from $10 to $30 per day, so it's essential to factor this into your rental budget.
Weighing the Pros and Cons
When deciding whether to purchase international rental car insurance, consider the potential costs and hassles of dealing with an international claims process if you decline the coverage. While it adds to the overall cost of your rental, international rental car insurance provides peace of mind and protects you from unexpected expenses in the event of an accident or damage.
In summary, international rental car insurance is a crucial consideration when planning to drive in a foreign country. By understanding the requirements, purchasing the necessary coverage, and familiarising yourself with local driving laws and customs, you can ensure a safe and worry-free trip.
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Frequently asked questions
Yes, your current car insurance plan may not cover you if you bring your car to another country, and your preferred auto insurer may not offer insurance in your new home. International auto insurance will protect you financially when you drive overseas and ensure your insurance complies with local regulations.
Requirements differ from country to country, but in general, an international auto insurance policy will cover you and your car for instances of physical damage from an auto accident, attempted theft, natural disaster or political violence, personal injury, collisions with uninsured motorists, and liability coverage.
Contact your current insurance provider and ask what their coverage for international travel entails. You can also contact several local insurance companies in your destination country and compare their quotes and products.
Motorists travelling within the EU don't need proof of car insurance. If you register a car in one EU member state and buy the legally required cover, all official policies include basic coverage for other member states by default. The Green Card is no longer mandatory as legal proof within the EU, but it remains the most easily recognised document for international drivers. Some countries outside the EU, such as Russia, Turkey and Israel, still expect foreign drivers to carry a Green Card as proof of car insurance.
You should consider purchasing international rental car insurance to protect yourself from potential damages or accidents. There are many credit card companies and rental car agencies that offer insurance coverage, but you should read the terms and conditions carefully to ensure you're adequately covered.
