Excluded EU cover with UK car insurance- does it exist?

Lokwyr · 23 Mar 2019 at 18:14

Renewal time for car insurance. All quotes appear to include EU cover, resulting from various EU diktats.
Is any one aware of No EU cover motor insurance companies?

Jez · 23 Mar 2019 at 19:27

While this is an unhelpful reply, i am curious...why does this matter? More cover the merrier surely as long as the price is agreeable?

Lokwyr · 23 Mar 2019 at 19:30

Jez said:
While this is an unhelpful reply, i am curious...why does this matter? More cover the merrier surely as long as the price is agreeable?

No prob IF there's no extra cost. I just can't find if there is no extra cost :confused:

StevieP · 23 Mar 2019 at 19:41

I don't want to open a can of political worms but as of this moment Britain is a member of the EU - so you are going to be hard pressed to find a car insurer that doesn't give you EU cover as standard!

Post-Brexit it will be another matter - depending on whether we leave with a deal or without one!

Also, what is a "diktat"?

Raymond Lin · 23 Mar 2019 at 19:54

Wonder if I can get a cheaper car insurance if I don’t drive outside my street.

MORE SPEED · 23 Mar 2019 at 20:18

I don't think Esure include European cover as standard, or if they do it's only third party cover.

Dis86 · 23 Mar 2019 at 20:38

Raymond Lin said:
Wonder if I can get a cheaper car insurance if I don’t drive outside my street.

Pft, where you live? It would up the premium.

I have no clue where you live.

Kenai · 23 Mar 2019 at 20:43

MORE SPEED said:
I don't think Esure include European cover as standard, or if they do it's only third party cover.

They provide the standard minimum EU requirements

Nasher · 23 Mar 2019 at 20:49

Not sure it would make much difference to the premium tbh.

theone8181 · 23 Mar 2019 at 21:46

Go on compare the market and see what the cheapest quote says with regards to eu cover.

jamoor · 24 Mar 2019 at 11:54

StevieP said:
I don't want to open a can of political worms but as of this moment Britain is a member of the EU - so you are going to be hard pressed to find a car insurer that doesn't give you EU cover as standard!

Post-Brexit it will be another matter - depending on whether we leave with a deal or without one!

Also, what is a "diktat"?

EU cover is actually compulsory on any insurance policy sold in an EU member state. Although it's the minimum required which varies from state to state.

StevieP · 24 Mar 2019 at 12:04

jamoor said:
EU cover is actually compulsory on any insurance policy sold in an EU member state. Although it's the minimum required which varies from state to state.

Yep, but a "no deal" Brexit will change all that - I've had a 'mare this week with a few customers being abroad over the 29th March deadline and having to faff about getting a Green Card sorted!

Nasher · 24 Mar 2019 at 12:54

jamoor said:
EU cover is actually compulsory on any insurance policy sold in an EU member state. Although it's the minimum required which varies from state to state.

That means we'll have loads of people driving around Europe un-insured without realising probably. Oh well, at least they won't be able to chase you for speeding fines anymore

tom_e · 24 Mar 2019 at 13:02

StevieP said:
I don't want to open a can of political worms but as of this moment Britain is a member of the EU - so you are going to be hard pressed to find a car insurer that doesn't give you EU cover as standard!

Post-Brexit it will be another matter - depending on whether we leave with a deal or without one!

Also, what is a "diktat"?

https://en.oxforddictionaries.com/definition/diktat

StevieP · 24 Mar 2019 at 13:40

tom_e said:
https://en.oxforddictionaries.com/definition/diktat

Fair play - never heard that before! (gonna try and get it into a sentence with a customer tomorrow!

)

jamoor · 24 Mar 2019 at 22:19

StevieP said:
Yep, but a "no deal" Brexit will change all that - I've had a 'mare this week with a few customers being abroad over the 29th March deadline and having to faff about getting a Green Card sorted!

Yep,

Nasher said:
That means we'll have loads of people driving around Europe un-insured without realising probably. Oh well, at least they won't be able to chase you for speeding fines anymore

Not really,

My insurance policy states that it's valid anywhere in the European Union, so really I just won't be able to use my certificate as proof that it's insured.

Lokwyr · 25 Mar 2019 at 11:23

Thanks for all your responses. As sussed, EU cover is mandated by the EU, but at lowest level, i.e. 3rd Party only, whilst in a country other than where the vehicle is registered. Post Brexit? Probably nothing much will change for some time. Except in France- gendarmes will get you for anything!

Rroff · 25 Mar 2019 at 11:31

StevieP said:
Yep, but a "no deal" Brexit will change all that - I've had a 'mare this week with a few customers being abroad over the 29th March deadline and having to faff about getting a Green Card sorted!

Yeah it is a bit of a nightmare with all the uncertainty - also atleast with my insurer I need 14 days notice to get a green card so can't even cover for the 29th/immediately after at this point if needed :s

Think that is potentially going to catch a lot of people out.

Invertigo · 25 Mar 2019 at 14:18

I'm going away the day after the new "exit date", as my insurer only does 3rd party by default I would have had to sort it regardless, but it was pretty painless and the green card arrived within 4 days. My parents are going over to Ireland soon too and theirs was even easier, their insurer now has an online form in the account section, fill in details and it's issued automatically

Burnsy2023 · 26 Mar 2019 at 10:51

Invertigo said:
I'm going away the day after the new "exit date", as my insurer only does 3rd party by default I would have had to sort it regardless, but it was pretty painless and the green card arrived within 4 days. My parents are going over to Ireland soon too and theirs was even easier, their insurer now has an online form in the account section, fill in details and it's issued automatically

All stuff we shouldn't have to do though.