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European driving insurance

European driving insurance

More than 2.5 million Brits take to the road in Europe every year. If you’re planning to drive on the continent, find out if you’ll be covered by your regular car insurance.

Daniel Hutson
From the Motor team
minute read
posted 30 OCTOBER 2019

Will I need extra car insurance to drive in Europe?

Possibly. All UK car insurance policies provide minimum third party cover to drive in other EU countries, but don’t assume that because you have a comprehensive policy in the UK, you’ll automatically have the same level of cover abroad.

Many policies will also have a limit on the number of days that you’re covered to drive in Europe. This could be a limit lasting a number of consecutive days called continuous cover, or could be a total yearly allowance.

How do I get European car insurance?

Let your insurance provider know that you’re planning to drive in Europe and they will extend your cover. You may be able to get an add-on to give you exactly the same level of cover as you have in the UK.

It’s also worth discussing the specifics of your journey with your insurance provider so they can tailor the cover for your dates of travel in Europe.

What is the Green Card system?

The Green Card is designed to help cars move more easily across Europe. It acts as an internationally recognised car insurance document.

You don’t have to have a Green Card to drive in Europe, but in some countries you may be asked to produce it by the local authorities.

Having a Green Card also guarantees that the victim of an accident caused by a foreign vehicle will be compensated in the country of the accident, if the driver of the foreign vehicle was found to be at fault.

Green Cards are provided free by car insurance providers.

Which countries are part of the Green Card system?

Currently 47 countries, including all 28 European Union countries and EEA countries, are part of the Green Card System.

What documents do I need to drive in Europe?

As well as a full, valid driving licence, you need your:

If you’re hiring a car, you’ll also need a DVLA check code.

Print your documents and take them with you.

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