Driving Abroad How to Make Sure Youre Covered

As an FCA-authorised motor insurance expert that has helped arrange over 800,000 policies, WeCovr knows that planning a European road trip is exciting. But before you stock up on snacks and perfect your playlist, it's vital to understand the rules for taking your UK car abroad, especially since Brexit has changed the game. This guide covers everything you need to know.

WeCovr explains the insurance rules for taking your car overseas post-Brexit

Heading to the continent in your own car, van, or motorbike offers unparalleled freedom. Yet, navigating the post-Brexit landscape of motor insurance, documentation, and driving regulations can feel daunting. The good news is that it’s simpler than it sounds, provided you prepare.

The biggest change is that you can no longer assume your UK comprehensive policy automatically extends to Europe. While all UK policies provide minimum legal cover, this is often just third-party liability. This guide will walk you through the essentials, from checking your policy documents to knowing what to do in an emergency, ensuring your journey is smooth, safe, and fully insured.

Understanding Your Core UK Motor Insurance Policy

Before even thinking about driving abroad, it’s crucial to understand the foundation of your protection: your UK motor insurance policy. In the United Kingdom, it is a legal requirement under the Road Traffic Act 1988 to have at least third-party motor insurance for any vehicle used on public roads. Failure to do so can result in hefty fines, penalty points on your licence, and even vehicle seizure.

There are three main levels of cover:

1. Third-Party Only (TPO): This is the minimum level of cover required by law. It covers injury or damage you cause to other people (third parties), their vehicles, or their property. It does not cover any damage to your own vehicle or any injuries you sustain.
2. Third-Party, Fire and Theft (TPFT): This includes everything TPO cover does, plus protection if your car is stolen or damaged by fire.
3. Comprehensive: This is the highest level of cover. It includes all the protection of a TPFT policy, and it also covers damage to your own vehicle, even if the accident was your fault. It may also include cover for windscreens and personal belongings.

Here’s a simple breakdown:

Business and Fleet Insurance: For businesses, the rules are stricter. A standard private car policy is not sufficient for commercial use. You will need a business car insurance policy. If you operate multiple vehicles, fleet insurance is the most efficient solution, covering all your vehicles under a single policy. This type of motor insurance UK policy must be robust enough to cover your legal liabilities, especially if your employees are driving.

Key Insurance Terms Every Driver Should Know

When you review your policy, you'll encounter several key terms. Understanding them is essential for managing your cover effectively.

• No-Claims Bonus (NCB) / No-Claims Discount (NCD): For every year you drive without making a claim, your insurer rewards you with a discount on your premium. This can be substantial, often reaching over 70% after five or more claim-free years. An accident abroad, if claimed for, could jeopardise this discount. Some insurers offer "NCB Protection" for an extra fee, allowing you to make one or two claims within a period without losing your bonus.
• Excess: This is the amount you must pay towards any claim you make. There are two types:
  • Compulsory Excess: A fixed amount set by the insurer.
  • Voluntary Excess: An additional amount you agree to pay. Choosing a higher voluntary excess can lower your premium, but you must be able to afford the total excess if you need to claim.
• Optional Extras: These are add-ons that enhance your policy:
  • Breakdown Cover: Standard UK cover rarely includes Europe. You'll likely need a separate European breakdown policy or an add-on.
  • Legal Expenses Cover: This covers legal costs if you need to pursue uninsured losses (like your excess or loss of earnings) from a third party after a non-fault accident. It's particularly valuable abroad where legal systems differ.
  • Courtesy Car: This provides a replacement vehicle while yours is being repaired. Check if this cover extends to incidents that happen abroad—often, it does not.

Driving in Europe Post-Brexit: What's Changed?

Brexit brought several changes for UK motorists. While some initial confusion has settled, it’s vital to be aware of the current rules for 2025 and beyond.

The Green Card: No Longer a Necessity for Most Trips

Immediately after Brexit, there was a period where UK drivers needed a "Green Card"—an internationally recognised certificate of insurance—to prove they were covered.

Thankfully, this is no longer the case. As of August 2021, the UK was readmitted to the Green Card Free Circulation Area. This means you do not need a Green Card to drive your UK-registered vehicle in:

• The European Union (EU)
• The European Economic Area (EEA) countries (Iceland, Liechtenstein, Norway)
• Andorra
• Bosnia and Herzegovina
• Serbia
• Switzerland

WeCovr Advice: While not legally required, some drivers still like to carry one for peace of mind, or if travelling through non-EU countries that may still require it. Always check the specific requirements for any non-EU country on your itinerary on the gov.uk website.

The UK Sticker: Replacing the Old GB Sticker

The national identifier displayed on your vehicle has also changed. The "GB" sticker or emblem on your number plate is no longer valid for travel abroad. You must now display a "UK" identifier.

• If your number plate includes the UK identifier with the Union flag (the "Union Jack"), you do not need a separate sticker.
• If your number plate has a GB identifier with the Union flag, a Euro symbol, or a national flag of England, Scotland, or Wales, you must display a separate UK sticker on the rear of your vehicle.
• You will need a UK sticker if you are driving in Spain, Cyprus, or Malta, regardless of what is on your number plate.

Failure to comply can result in on-the-spot fines. Stickers are cheap and widely available online, in post offices, and at ferry terminals.

International Driving Permits (IDPs)

For most popular European destinations, your valid UK photocard driving licence is sufficient. However, in some EU countries, you may need an International Driving Permit (IDP) if you still have an older paper licence or a licence issued in Gibraltar, Guernsey, Jersey, or the Isle of Man.

There are two main types of IDPs relevant to Europe, governed by different conventions:

• 1949 IDP: Required for Malta.
• 1968 IDP: Required for all other EU countries where an IDP is necessary, plus Norway and Switzerland.

You can get an IDP over the counter at larger Post Office branches for a small fee. You will need your driving licence and a passport-sized photo. Check the latest gov.uk guidance for the specific country you are visiting, as rules can change.

Checking Your Insurance Policy Before You Travel

This is the single most important step. Do not assume you are fully covered.

Your Automatic Cover is Only Third-Party

The Association of British Insurers (ABI) confirms that every UK motor insurance policy provides, as a minimum, the compulsory level of third-party cover required to drive in the EU and the other countries in the Green Card Free Circulation Area.

This means if you cause an accident, your insurance will cover the costs for the other party. However, it will not cover:

• Damage to your own car
• Theft of your car
• Fire damage to your car

If you have a comprehensive policy in the UK, it automatically downgrades to TPO cover the moment you leave the country, unless you arrange for an extension.

Extending Your Cover to Comprehensive

To maintain the same level of comprehensive cover you enjoy in the UK, you must contact your insurer before you travel.

• Foreign Use Extension: Most insurers offer a "foreign use extension" as standard, often for up to 90 days per policy year. This extends your comprehensive cover to your European travels. Some insurers include this for free, while others charge a small additional premium.
• Check the Duration: The 90-day limit is common but not universal. Some policies may only offer 30 or 60 days. If you plan a longer trip, you will need to negotiate a specific extension, which will cost more.
• Read the Small Print: Check for any specific exclusions or a higher excess that applies while driving abroad.

As an expert broker, WeCovr always advises clients to clarify this with their provider well in advance of their trip. It's a simple phone call that can save you thousands of pounds and immense stress.

Pre-Travel Insurance Checklist

Before you set off, ask your insurer these questions:

1. Is my comprehensive cover automatically extended for driving in the EU?
2. If so, for how many days per year am I covered?
3. Is there any additional premium to pay for this extension?
4. Is the excess the same when driving abroad?
5. What is the 24-hour European claims helpline number?
6. Does my policy cover me for all the countries I plan to visit or transit through?
7. Are my optional extras, like breakdown or legal cover, valid in Europe?

Essential Documents and Equipment for Driving Abroad

Being prepared means having the right paperwork and safety gear. Getting this wrong can lead to fines or delays.

Documents to Carry in Your Vehicle

Always have the original documents with you, not photocopies.

• Valid UK Driving Licence: Your photocard licence.
• V5C Log Book: The original document that proves you are the registered keeper of the vehicle. If you don't have it, you can order a replacement from the DVLA, but this takes time.
• Proof of Insurance: Your motor insurance certificate.
• Passport: For personal identification.
• VE103 Document: If you are driving a hired or leased vehicle, you cannot take the V5C. You must get a VE103 "Vehicle on Hire" certificate from the rental/leasing company.
• UK Sticker and IDP: If required for your vehicle or destination.

Compulsory Safety Equipment by Country

Different countries have different laws about the safety equipment you must carry. Failure to have these items can result in immediate fines.

Important Notes:

• Reflective Vests: In most countries, you must have one for every occupant, and they must be kept within the cabin of the car, not in the boot.
• Breathalysers (France): The law requiring drivers to carry a personal breathalyser is still in effect, but the associated fine for not having one was scrapped. It is still recommended to carry a certified (NF-approved) twin-pack.
• Headlamp Converters: Unless you can adjust your headlights' beam pattern manually, you must fit converters to avoid dazzling oncoming drivers. This is a legal requirement in most of continental Europe where they drive on the right.
• Low Emission Zones (LEZ): Many European cities now operate LEZs (e.g., Crit'Air in France, Umweltplakette in Germany). You need to buy a sticker online in advance to enter these zones. Check the rules for every city on your route.

What to Do If You Have an Accident or Break Down Abroad

An accident or breakdown is stressful at home, let alone in a foreign country. Knowing the steps to take can make a huge difference.

In Case of an Accident

1. Stop Safely: Pull over where it is safe to do so and switch on your hazard lights.
2. Check for Injuries: Assess yourself, your passengers, and others involved. Call the pan-European emergency number 112 for police, ambulance, or fire services. This number works in all EU countries and is free to call.
3. Do Not Admit Liability: Do not apologise or accept fault at the scene, even if you think the accident was your fault. Let the insurers determine liability.
4. Exchange Details: Get the following from the other driver(s):
   • Name and address
   • Vehicle registration number
   • Insurance company and policy number
5. Use a European Accident Statement: These forms are standardised across Europe and are available in multiple languages. They allow both parties to record the facts of the incident. Carrying one is highly recommended. You can download one from most insurer websites.
6. Gather Evidence: Take photos of the scene, the position of the vehicles, and the damage to all cars. Get the names and contact details of any independent witnesses.
7. Contact Your Insurer: Call your insurer's dedicated 24-hour European claims line as soon as possible. They will guide you on the next steps, including vehicle recovery and repair.

In Case of a Breakdown

Your standard UK breakdown cover is unlikely to be valid in Europe. Without a European policy, the costs for recovery can be astronomical, especially if your vehicle needs to be repatriated to the UK.

European Breakdown Cover: This is a vital add-on for any trip. A good policy should include:

• Roadside assistance and local recovery.
• Onward travel arrangements (e.g., hire car, train tickets).
• Accommodation costs if you are stranded overnight.
• Vehicle repatriation to get your car back to the UK if it cannot be repaired locally.

At WeCovr, we help our clients find the best car insurance provider that can bundle this cover or recommend a specialist provider, ensuring complete peace of mind. Our high customer satisfaction ratings are built on this kind of comprehensive, practical advice.

Considerations for Fleet and Business Vehicles

For fleet managers, sending vehicles and drivers abroad adds a layer of complexity and corporate responsibility.

• Policy Verification: Ensure your fleet insurance policy explicitly includes foreign use. Do not assume it is standard. Check the geographical limits and duration of cover.
• Driver Eligibility: Confirm that all potential drivers are named and covered under the policy for European travel.
• Vehicle Documentation: Every vehicle must have its V5C or a VE103. Keeping a centralised digital and physical record of these documents is a key fleet management strategy.
• Driver Support: Provide drivers with a clear pack containing all necessary documents, safety equipment, and a 24-hour contact number for your insurance provider and fleet manager. Train them on what to do in an accident or breakdown.

A specialist fleet insurance policy, which WeCovr can help arrange, can be tailored to include comprehensive European cover, breakdown assistance, and management tools to reduce administrative burdens.

Final WeCovr Checklist Before You Go

1. Check Your Licence and Passport: Ensure they are valid and in-date.
2. Check Your V5C: Make sure all details are correct.
3. Contact Your Insurer: Confirm your level of cover and its duration for Europe. Get confirmation in writing.
4. Arrange European Breakdown Cover: Don't leave home without it.
5. Get Your UK Sticker and IDP: If necessary.
6. Buy Compulsory Equipment: Get your triangles, vests, and headlamp converters in the UK.
7. Research Local Rules: Check speed limits and LEZ requirements for your destinations.
8. Save Key Numbers: Store your insurer's and breakdown provider's 24-hour European helpline numbers in your phone.

WeCovr is an FCA-authorised broker that can also help arrange discounts on other policies, such as home or life insurance, when you purchase motor cover through us. Our goal is to provide value and security across all your needs.

Frequently Asked Questions (FAQs)

Q1: Is my UK car insurance automatically comprehensive when I drive in Europe? No, it is not. By law, your UK insurer must provide the minimum level of third-party cover to drive in the EU. To get comprehensive cover for theft or damage to your own car, you must contact your insurer to arrange a "foreign use extension." Many policies include this for up to 90 days, but you must check and activate it.

Q2: Do I still need a Green Card to drive my car in the EU post-Brexit? No, a Green Card is no longer required for UK-registered vehicles travelling to the EU, EEA countries, Andorra, Bosnia and Herzegovina, Serbia, or Switzerland. Your UK motor insurance certificate is sufficient proof of cover.

Q3: What documents are essential to carry when driving abroad from the UK? You must carry your original V5C log book (or a VE103 for a hire car), your UK driving licence, your passport, and your certificate of motor insurance. Depending on your vehicle and destination, you may also need a UK sticker and an International Driving Permit (IDP).

Q4: What happens if I have an accident in Europe? You should stop safely, call the European emergency number 112 if anyone is injured, and exchange insurance details with the other party. Do not admit liability. Take photos of the scene and contact your insurer's 24-hour European claims helpline as soon as possible for guidance.

Planning your European road trip should be about the adventure, not the admin. By following this guide and making a few simple checks, you can ensure you’re fully prepared and properly insured.

Ready to check if your policy offers the best value for European travel? Get a fast, free, no-obligation quote from WeCovr today. We compare dozens of the UK's top insurers to find you the right motor policy at the right price.