Nickd Posted September 20, 2009 Share Posted September 20, 2009 My current UK insurer allows me 60 days abroad on any one trip, but I'd like cover for a longer period. Can anyone recommend a company that offers more attractive terms for taking a UK registered car abroad?Nick Link to comment Share on other sites More sharing options...
dave21478 Posted September 20, 2009 Share Posted September 20, 2009 Your current insurers 60 day limit applies to the higher levels of cover that you may have (fully comp or TPFT) but they are legally required to provide the minimum cover applicable in whichever EU contry you visit, with no time restriction. If you want to longer periods at higher levels of cover, you will need to shop around for an insurer who is willing to provide this. I have no experience of them, but I hear SAGA insurance offer this service. Link to comment Share on other sites More sharing options...
AnOther Posted September 20, 2009 Share Posted September 20, 2009 I'm pretty sure that you'll find your 60 days per annum not per trip but your insurers are the people to clarify that. If it were per trip then on the 59th day you could legitimately jump on a ferry to touch UK soil then turn round and go straight back, clearly this is not the intent.If you ask they they may be willing to extend the period - for a fee - although if you are exceptionally fortunate you may get it for free. Link to comment Share on other sites More sharing options...
mint Posted September 20, 2009 Share Posted September 20, 2009 Saga used to let you drive your UK vehicle up to 365 days abroad (perhaps they still do).You'd have to fulfill other criteria such as being over 50 or 55 (can't quite remember now due to old age!) and, of course, be resident in the UK. Link to comment Share on other sites More sharing options...
Théière Posted September 20, 2009 Share Posted September 20, 2009 "More than" just allowed me to have the upgraded as Dave said to full comp for an additional £10pm and place no restriction on length of stay, awaiting the paper work to back this up.EDIT: thanks for the card Sweets, all recieved on my last trip last week. [:)] Link to comment Share on other sites More sharing options...
mint Posted September 20, 2009 Share Posted September 20, 2009 Merci, Teapot; can't do the French version.Are you going to be here for longer periods then? Link to comment Share on other sites More sharing options...
Nickd Posted September 20, 2009 Author Share Posted September 20, 2009 Thanks to everyone for these replies. Interesting that minimum cover applies for an unlimited period. You say this excluded Fully Comp & TPFT, but surely there is no lower cover than TPFT? Not planning to change my routine especially, I just want the added flexibility so I'm not rushing back within 60 days when I come over with car..Nick Link to comment Share on other sites More sharing options...
Chancer Posted September 20, 2009 Share Posted September 20, 2009 [quote user="Nickd"] You say this excluded Fully Comp & TPFT, but surely there is no lower cover than TPFT? [/quote]Liability to third parties only, T.P.O. in the UK or tiers risques in France Link to comment Share on other sites More sharing options...
AnOther Posted September 20, 2009 Share Posted September 20, 2009 To be precise your cover reduces to the minimum required by law in the country you are in.In UK that is 3rd party as laid down in the Road Traffic Act or as Chancer says, tiers risques in France[quote user="Nickd"]I just want the added flexibility so I'm not rushing back within 60 days when I come over with car..[/quote]I presume you have noted what I said about it being per annum not per trip ? Link to comment Share on other sites More sharing options...
Théière Posted September 20, 2009 Share Posted September 20, 2009 [quote user="sweet 17"]Merci, Teapot; can't do the French version.Are you going to be here for longer periods then?[/quote]With the cost of airlines and hire car, I am intending to drive more (good for my carbon footprint) and can bring more things with me. Planning more trips for modifictions to the house too. Link to comment Share on other sites More sharing options...
Nickd Posted September 21, 2009 Author Share Posted September 21, 2009 Ah.. I didn't realise you could have just 3rd party cover.And regarding 60 days per annum or per trip, my insurer (R.H.Insurance) state specifically: "There is no limit on the number of trips you make in any period of insurance but each trip must be for no more than 60 days" I wonder if this is actually quite unusual and perhaps I am luckier than I ealised with this arrangement..Nick Link to comment Share on other sites More sharing options...
lacote0_0 Posted September 21, 2009 Share Posted September 21, 2009 Cornhill Direct allow unlimited cover (provided you are UK resident). Link to comment Share on other sites More sharing options...
AnOther Posted September 21, 2009 Share Posted September 21, 2009 [quote user="Nickd"]"There is no limit on the number of trips you make in any period of insurance but each trip must be for no more than 60 days" I wonder if this is actually quite unusual and perhaps I am luckier than I ealised with this arrangement.[/quote]I think so as I have never heard of another insurer offering it [:)] Link to comment Share on other sites More sharing options...
JMB Posted September 21, 2009 Share Posted September 21, 2009 Try https://www.stuartcollins.com they offer fully comp insurance with AXA wether you are a resident or not with no time limit on european use. Link to comment Share on other sites More sharing options...
Théière Posted September 21, 2009 Share Posted September 21, 2009 Just read through the More than paperwork and the max stay is 180 days as per the insurance industry guidelines.The Stuart Collins policy looks very good and is a true unlimited stay policy and the breakdown cover looks quite good too. Certainly going to consider that at re-newal time. Link to comment Share on other sites More sharing options...
Baz Posted September 21, 2009 Share Posted September 21, 2009 I can confirm after a phone call to my insurer Saga today that full comprehensive insurance applies to any EU country for the whole policy year. There are no number of day restrictions and you can stay in the EU for 365 days and be fully covered.Baz Link to comment Share on other sites More sharing options...
Nickd Posted September 21, 2009 Author Share Posted September 21, 2009 Well isn't this fascinating - thanks to everyone for volunteering all this information.I have now obtained a quote from two companies offering unlimited time abroad for a UK registered car: Saga have quoted me £60 less than my existing insurer for my aging Saab while the Welsh broker want £100 more than my existing policy costs - all Fully Comprehensive. So not surprisingly I'm changing to Saga and can now forget about the 60 day limit business - great stuff!Once again, many thanks for everyone's time and effort,Nick Link to comment Share on other sites More sharing options...
mint Posted September 21, 2009 Share Posted September 21, 2009 That's a very good thing to do, Teapot. To be honest, I'm always nervous about hiring a car because of the insurance costs, etc and then I worry they'd charge me for some imagined damage or other or for a full tank of petrol even though I have filled up.............it's always a complete nightmare and a necessary evil as far as I'm concerned.As for all the stuff you'd be bringing for the works to your house, I'd imagine the savings in the cost of materials (and the food you'd be bringing over) would practically cover the cost of the trip!As for Nick, you'd be pleased to know that Saga is also a very good firm to deal with, very fair. OH had only taken out their policy when we moved over sooner than we were planning on and they returned the unused part of the premium without any delay or argument.Even their call centre staff were friendly and knowledgeable. I guess they like to handle their elderly customers with kid gloves (in case we died on them or something)![:D] Link to comment Share on other sites More sharing options...
AnOther Posted September 22, 2009 Share Posted September 22, 2009 What's a very good thing to do sweets?Have you mixed up your posts as I see nothing from teapot in this thread or anything about hire cars [8-)] Link to comment Share on other sites More sharing options...
bigears Posted September 22, 2009 Share Posted September 22, 2009 hiAm going to swap our uk based car to lv, they give upto 6 months european cover. Does anyone know if uk and french insurance companies exchange information. Link to comment Share on other sites More sharing options...
AnOther Posted September 22, 2009 Share Posted September 22, 2009 [quote user="bigears"]Does anyone know if uk and french insurance companies exchange information. [/quote]Probably not unless like AXA they operate in other countries and then probably not routinely, why do you have something to hide [Www] Link to comment Share on other sites More sharing options...
bigears Posted September 22, 2009 Share Posted September 22, 2009 Nothing at the moment. we both have full ncb in both countries, was wondering if we had an incident in one country would it be known in the other, thats all. Link to comment Share on other sites More sharing options...
AnOther Posted September 22, 2009 Share Posted September 22, 2009 I don't think so but legally of course you are obliged to disclose any relvent information which a claim, even in another country would be. Link to comment Share on other sites More sharing options...
Maricopa Posted September 23, 2009 Share Posted September 23, 2009 [quote user="AnOther"]Have you mixed up your posts as I see nothing from teapot in this thread or anything about hire cars [8-)][/quote]Théière was Teapot (and is French for teapot) Link to comment Share on other sites More sharing options...
AnOther Posted September 23, 2009 Share Posted September 23, 2009 Ah, not 'le teapot' then [:)][:)][:)]Another name impossible to quote without editing then, just when Chancer (nee J.R's Gone Native) had seen the light [blink] [:)] Link to comment Share on other sites More sharing options...
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