Travel around Europe with the car: what does the insurance cover?

 Due to its proximity, Portugal, France and Andorra are three destinations to travel by car from Spain. The most adventurous dare to drive to Italy, Bulgaria or Romania, among many other destinations. And now, with the war in Ukraine , many volunteers have taken their car to the Polish border with this country to help.

Travel around Europe
Travel around Europe

Traveling abroad by car has numerous advantages, among them, the comfort of being able to travel to distant points in the destination without the need for mass transport or a rental car.

Depending on the distance, traveling by car outside our borders can also mean economic savings compared to plane , train or bus tickets. But as always, in addition to advantages, there are a number of disadvantages when traveling outside of Spain by car. Among these inconveniences we find the hours on the road, since the travel time is multiplied in relation to other methods of transport, such as the plane. Also, the cost. Depending on the kilometers, the consumption of the vehicle and the price of fuel, it may not be as economical as you expected for  Asian Wedding Photographer In Leicester.

Along with this, you should pay special attention to the contracted insurance . The compulsory insurance exclusively covers the civil liability of the driver against third parties, that is, it covers material and personal damage caused to third parties, including the companions of the responsible vehicle throughout the territory of the European Economic Area.

However, it is possible that not all the additional coverage contracted will apply in the event of an accident abroad.  This means that if you have an accident, for example, in France, your insurance may not cover roadside assistance or the corresponding compensation. Therefore, the importance of carefully studying the policy before traveling abroad with the car more study from here

From insurance coverage to the documentation you must bring to travel india

Traveling abroad with the car: check the vehicle insurance

The first thing to consider is the destination. Depending on where you plan to travel, you may have different obligations when hiring your insurance. The compulsory insurance allows you to circulate in all the countries of the European Union, as well as all those countries adhering to the Multilateral Guarantee Agreement, to which they are currently adhered: Germany, Austria, Belgium, Croatia, Czech Republic, Denmark, Slovak Republic, Slovenia , Spain, Finland, France, Great Britain, Greece, Holland, Hungary, Ireland, Iceland, Italy, Luxembourg, Norway, Portugal, Sweden and Switzerland.

As we have already indicated, in these countries you must ensure that the additional coverage you have contracted in the event of an accident in Spain is applicable abroad. In this way, the coverage varies depending on the insurance companies and some that are recommended for this type of trip are:

  • HealthcareIn other words, if you suffer injuries after an accident, the insurance covers the medical assistance received outside of Spain. Check the economic limit. It is possible that it is very low and you must pay the rest of the health system bill.
  • Roadside assistanceLike the transfer of the vehicle to a workshop and from there the towing of the car back to Spain. In addition, you should check if your car policy covers repairs outside our borders.
  • Damage to the vehicle caused abroad For example, in the event of an accident, those caused by the driver himself and those caused by an unknown third party.
Contact the insurer and find out about all the conditions of your insurance according to your destination. It is possible that at that time they will also allow you to extend the coverage to travel more safely adimad productions.

Documentation of the vehicle on a trip outside of Spain

Whenever you decide to travel with your vehicle in Europe, take with you the original documentation of the car and your current driving license. In addition, it is advisable for the vehicle to have the last technical inspection card and the last insurance receipt, to avoid possible problems.

There are certain countries in which, in addition to the aforementioned documentation, it is necessary to have the Green Card . It is a document that you can request directly from your insurance and certifies that the vehicle has a Compulsory Civil Liability Insurance. The Green Card also certifies that it is a vehicle from one of the countries belonging to the Multilateral Guarantee Agreement. According to the Spanish Office of Automobile Insurers, its purpose is "to help international vehicle traffic and guarantee care for victims of traffic accidents between vehicles of different nationalities".

Although it is not mandatory in the European Union, Norway, Andorra, Switzerland, Liechtenstein, Iceland and Serbia, it is mandatory to drive in the following countries: Albania, Belarus, Bosnia-Herzegovina, Macedonia, Israel, Iran, Moldova, Morocco , Russia, Montenegro, Tunisia, Turkey, Ukraine. If you travel to any of these territories by car without a Green Card, you will not be allowed to enter the country.

It can save trouble if you travel abroad with your car. If you know well in advance that you will travel to Europe, request the Green Card from the insurer.

Post a Comment

Previous Post Next Post