Which non EU countries are you covered for? (1 Viewer)

[Roby2008]

No EU countries - thought that was pretty standard nowadays? All my insurance policies have includes EU without asking.

Living in Germany we have the full EU coverage plus the Balkan states, the UK is now on the extras list as a non - EU country but still covered

 

[Dave and Jan]

Can be difficult. We are insured fully comp with CaravanGuard and bought it believing it covered EU travel. Before heading off to France and Spain last year read the the EU cover part, which stated it gave minimum cover, required by law, across the EU and several other countries, hence only 3rd party. Had to pay an extra premium on the remaining term to get fully comp in the EU. Anyone else come across the same?

 

[gus-lopez]

can you obtain uk insurance with another company while out of the country …?

It isn't advisable. If they know you won't get insured.

ve never done it but I can't see why it would be a problem.

It is.you are required to be in uk when taking out the policy.

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[Mad dog]

Can be difficult. We are insured fully comp with CaravanGuard and bought it believing it covered EU travel. Before heading off to France and Spain last year read the the EU cover part, which stated it gave minimum cover, required by law, across the EU and several other countries, hence only 3rd party. Had to pay an extra premium on the remaining term to get fully comp in the EU. Anyone else come across the same?

View attachment 832093

Compréhension EU cover is an option you take out when you sign up - it's 15% extra. I think you get third party EU Cover as standard. This is the option help text (no, I don't work for them, you got me worried so I double checked my cover!)

European use​

×
European use provides up to 9 months of fully comprehensive cover (within a 12 month insurance period) for your motorhome throughout the European mainland (specific countries listed below). The maximum amount of time that can be spent in any one country is 180 consecutive days.

• Andorra
• Austria
• Belgium
• Bulgaria
• Croatia
• Cyprus (Greek / Southern territory only)
  We are unable to provide insurance cover in Turkish / Northern territory, known as the Republic of Cyprus
• Czech Republic
• Denmark
• Estonia
• Faroe Islands
• Finland
• France (inc Monaco)
• Germany
• Greece
• Hungary
• Iceland
• Ireland
• Italy (inc San Marino & Vatican)
• Latvia
• Lithuania
• Luxembourg
• Malta
• Netherlands
• Norway
• Poland
• Portugal (inc Madeira)
• Romania
• Slovak Republic
• Slovenia
• Spain (inc Balearics & Canaries)
• Sweden
• Switzerland (inc Liechtenstein)
• UK (inc Gibraltar)

In addition to the above, we are also able to provide cover in some none European Union (EU) countries, but this will require a further additional cover and an additional premium to be paid.

 

[Geoff51]

It isn't advisable. If they know you won't get insured.

It is.you are required to be in uk when taking out the policy.

Er not sure about that. I renewed my policy whilst in Spain. Unless you mean not a resident in the UK which makes sense to me.

 

[VXman]

It isn't advisable. If they know you won't get insured.

It is.you are required to be in uk when taking out the policy.

I've have never been told that by an insurance company or read it in T & C's. Yes you must be a UK resident. Travel insurance yes you need to be in the UK at the time of purchase but not car insurance.

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[jongood]

Er not sure about that. I renewed my policy whilst in Spain. Unless you mean not a resident in the UK which makes sense to me.

I've previously renewed with the same company while not in the UK no probs, but I think Just smiffy is after changing companies and getting some proper Moroccan Cover.

 

[VXman]

Can be difficult. We are insured fully comp with CaravanGuard and bought it believing it covered EU travel. Before heading off to France and Spain last year read the the EU cover part, which stated it gave minimum cover, required by law, across the EU and several other countries, hence only 3rd party. Had to pay an extra premium on the remaining term to get fully comp in the EU. Anyone else come across the same?

View attachment 832093

Sadly I cannot read your attachment.

On my Certificate of Insurance and it does read like that *(1)However, It is just legal speak for the officials in that country to prove that we are covered legally in that country. On the product information sheet it suggests the cover is the same as in the UK (2) and when I emailed Comfort to check they were quite clear it is fully comprehensive (3)

1. TERRITORIAL VALIDITY This card is valid in Countries for which the relevant box is not crossed out (for further information, please see www.cobx.org). In each country visited, the Bureau of that country guarantees, in respect of the use of the vehicle referred to herein, the insurance cover in accordance with the laws relating to compulsory insurance in that country.

2. Where am I covered? (no mention of a reduction in cover) The UK, Channel Islands, Isle of Man and Republic of Ireland – plus Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta ,Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein)

3. "For all the countries which you are covered by us to visit, the cover is fully comprehensive."

 

[gus-lopez]

I've have never been told that by an insurance company or read it in T & C's. Yes you must be a UK resident. Travel insurance yes you need to be in the UK at the time of purchase but not car insurance.

There have been people on here who have been refused insurance when out of the country. I wouldn't even chance it unless it was automatic renewal.I certainly would not chance attempting to change companies whilst out of the UK

I've previously renewed with the same company while not in the UK no probs,

But did you speak to them & renew & they knew you were not in the UK:
You really cannot trust them especially if you are not in the Uk at the time.
Look at the bloke on here who rang up just to ask "was he insured if he left the van & flew home for a few days" they not only said no but cancelled insurance on the spot stating that "As he had asked he was going to do it anyway" scum all of them not to be trusted even when it is in writing.

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[VXman]

There have been people on here who have been refused insurance when out of the country. I wouldn't even chance it unless it was automatic renewal. I certainly would not chance attempting to change companies whilst out of the UK

But did you speak to them & renew & they knew you were not in the UK:
You really cannot trust them especially if you are not in the Uk at the time.
Look at the bloke on here who rang up just to ask "was he insured if he left the van & flew home for a few days" they not only said no but cancelled insurance on the spot stating that "As he had asked he was going to do it anyway" scum all of them not to be trusted even when it is in writing.

T & C's are everything. I'd be interested to see it in writing. In fact the T & C's are more important than speaking to them as Customer Service Advisors do not know everything and can often get things wrong. If you have time have a look at your T & C's and post the relevant text here.

 

[jongood]

There have been people on here who have been refused insurance when out of the country. I wouldn't even chance it unless it was automatic renewal.I certainly would not chance attempting to change companies whilst out of the UK

But did you speak to them & renew & they knew you were not in the UK:
You really cannot trust them especially if you are not in the Uk at the time.
Look at the bloke on here who rang up just to ask "was he insured if he left the van & flew home for a few days" they not only said no but cancelled insurance on the spot stating that "As he had asked he was going to do it anyway" scum all of them not to be trusted even when it is in writing.

Thinking about it I laid the ground before I left the UK but was within the final month.

 

[nicholsong]

Insurance companies' definition of 'UK Resident'? There is no 'Resident Permit' in UK.

If one holds such a permit for another country it does not mean one is 'resident' there at any particular time, as most countries allow the holder of such a permit to be absent for a period, normally 3-5 years, without it being grounds for revoking the permit.

Is it in the T&Cs?

If one declares, wrongly, that one is 'UK Resident' can an Underwriter deny a claim? If they refused a claim the onus would be on the Underwriter to prove that there was an exclusion that applied to the insured as being non-UK Resident. It might be a difficult onus, because where would they get the evidence to support the claim?

My opinion is that there is little jeopardy in answering that one is UK Resident.

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[Dave and Jan]

Compréhension EU cover is an option you take out when you sign up - it's 15% extra. I think you get third party EU Cover as standard. This is the option help text (no, I don't work for them, you got me worried so I double checked my cover!)

European use​

×
European use provides up to 9 months of fully comprehensive cover (within a 12 month insurance period) for your motorhome throughout the European mainland (specific countries listed below). The maximum amount of time that can be spent in any one country is 180 consecutive days.

• Andorra
• Austria
• Belgium
• Bulgaria
• Croatia
• Cyprus (Greek / Southern territory only)
  We are unable to provide insurance cover in Turkish / Northern territory, known as the Republic of Cyprus
• Czech Republic
• Denmark
• Estonia
• Faroe Islands
• Finland
• France (inc Monaco)
• Germany
• Greece
• Hungary
• Iceland
• Ireland
• Italy (inc San Marino & Vatican)
• Latvia
• Lithuania
• Luxembourg
• Malta
• Netherlands
• Norway
• Poland
• Portugal (inc Madeira)
• Romania
• Slovak Republic
• Slovenia
• Spain (inc Balearics & Canaries)
• Sweden
• Switzerland (inc Liechtenstein)
• UK (inc Gibraltar)

In addition to the above, we are also able to provide cover in some none European Union (EU) countries, but this will require a further additional cover and an additional premium to be paid.

I picked up on the EU cover provided. Didn’t see it was only 3rd

Sadly I cannot read your attachment.

On my Certificate of Insurance and it does read like that *(1)However, It is just legal speak for the officials in that country to prove that we are covered legally in that country. On the product information sheet it suggests the cover is the same as in the UK (2) and when I emailed Comfort to check they were quite clear it is fully comprehensive (3)

1. TERRITORIAL VALIDITY This card is valid in Countries for which the relevant box is not crossed out (for further information, please see www.cobx.org). In each country visited, the Bureau of that country guarantees, in respect of the use of the vehicle referred to herein, the insurance cover in accordance with the laws relating to compulsory insurance in that country.

2. Where am I covered? (no mention of a reduction in cover) The UK, Channel Islands, Isle of Man and Republic of Ireland – plus Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta ,Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein)

3. "For all the countries which you are covered by us to visit, the cover is fully comprehensive."

covered for all EU member countries (includes Croatia as an EU member country) Additional Iceland, Finland, Serbia, Andorra, Lichtenstein, Norway and Switzerland. Original ins only covered those 3rd party but paid an additional premium to full comp. On renewal this time made sure it was full comp. Only difference on documents is a small tick under European cover on the schedule. Without the tick it’s 3rd party only. That’s Caravan Guard. Other companies may operate differently.

 

[VXman]

Insurance companies' definition of 'UK Resident'? There is no 'Resident Permit' in UK.

If one holds such a permit for another country it does not mean one is 'resident' there at any particular time, as most countries allow the holder of such a permit to be absent for a period, normally 3-5 years, without it being grounds for revoking the permit.

Is it in the T&Cs?

If one declares, wrongly, that one is 'UK Resident' can an Underwriter deny a claim? If they refused a claim the onus would be on the Underwriter to prove that there was an exclusion that applied to the insured as being non-UK Resident. It might be a difficult onus, because where would they get the evidence to support the claim?

My opinion is that there is little jeopardy in answering that one is UK Resident.

Yup. I lived in Hong Kong for 3 years. I was a HK resident. However I still had my house in UK and my car and I did use it a couple of times. Never checked on the niceties of UK residency.

 

[gwyntaxi]

Go with Comfort.

Only trouble us Comfort don't cover Morocco, shame.

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[gus-lopez]

If you have time have a look at your T & C's and post the relevant text here.

No good me looking ,my policy is spanish & covers me for everywhere & is renewed automatically wherever I am.

 

[carolyn]

https://www.comfort-insurance.co.uk...Insurance-Product-Information-Document-V6.pdfhttps://www.comfort-insurance.co.uk/wp-content/uploads/2023/08/MC-Assist-Breakdown-IPID.pdfThese are Comfort’s new policies and Croatia is covered. We changed to NFU this year to get cover for Turkey but plan on changing back. Our renewal date is March when we will be out of the country so I will have to phone to see if that’s OK.

 

[Mad dog]

https://www.comfort-insurance.co.uk...Insurance-Product-Information-Document-V6.pdfhttps://www.comfort-insurance.co.uk/wp-content/uploads/2023/08/MC-Assist-Breakdown-IPID.pdfThese are Comfort’s new policies and Croatia is covered. We changed to NFU this year to get cover for Turkey but plan on changing back. Our renewal date is March when we will be out of the country so I will have to phone to see if that’s OK.

That's the cover for breakdown, not your actual motorhome. The link below details the comprehensive motorhome cover & it does not list Albania, Montenegro, etc. Easy to get caught out! Interesting the NFU covers Turkey but not Croatia?! By the way, I believe you can cancel NFU cover anytime with no admin charges, you get a full pro-rata refund.

https://www.comfort-insurance.co.uk/wp-content/uploads/2023/07/Comfort-Motorhome-Policy-Insurance-Product-Information-Document-V6.pdf

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[pagey]

I don't see why you can't arrange new insurance while out. You could easily take policy out online - they don't ask where you are at the time. Same would go for on the phone.

I've never done it but I can't see why it would be a problem.

I reinsured my car last may while I was in France but I was not in it I don't know if that would make a difference

 

[carolyn]

That's the cover for breakdown, not your actual motorhome. The link below details the comprehensive motorhome cover & it does not list Albania, Montenegro, etc. Easy to get caught out! Interesting the NFU covers Turkey but not Croatia?! By the way, I believe you can cancel NFU cover anytime with no admin charges, you get a full pro-rata refund.

https://www.comfort-insurance.co.uk/wp-content/uploads/2023/07/Comfort-Motorhome-Policy-Insurance-Product-Information-Document-V6.pdf

I have in fact quoted both if you look, both the Motorhome and the breakdown. I was careful to make sure I quoted the 2023 versions.

 

[Lenny HB]

Er not sure about that. I renewed my policy whilst in Spain. Unless you mean not a resident in the UK which makes sense to me.

https://www.comfort-insurance.co.uk...Insurance-Product-Information-Document-V6.pdfhttps://www.comfort-insurance.co.uk/wp-content/uploads/2023/08/MC-Assist-Breakdown-IPID.pdfThese are Comfort’s new policies and Croatia is covered. We changed to NFU this year to get cover for Turkey but plan on changing back. Our renewal date is March when we will be out of the country so I will have to phone to see if that’s OK.

I renewed mine when in Spain this year but you can only renew with the same company on a continuation basis.

You can not take out a new policy with a company if you are outside the UK.

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[VXman]

You can not take out a new policy with a company if you are outside the UK.

I'd be interested to see this in writing. I just experimented. I went online and got a quote for car insurance. At no point did the quote form ask 'where are you now?' or similar. Unless it's hidden in thedepths of the T & C's somewhere.

 

[VXman]

Insurance companies' definition of 'UK Resident'? There is no 'Resident Permit' in UK.

If one holds such a permit for another country it does not mean one is 'resident' there at any particular time, as most countries allow the holder of such a permit to be absent for a period, normally 3-5 years, without it being grounds for revoking the permit.

Is it in the T&Cs?

If one declares, wrongly, that one is 'UK Resident' can an Underwriter deny a claim? If they refused a claim the onus would be on the Underwriter to prove that there was an exclusion that applied to the insured as being non-UK Resident. It might be a difficult onus, because where would they get the evidence to support the claim?

My opinion is that there is little jeopardy in answering that one is UK Resident.

I guess it might come down to - do you have a UK address?. Maybe you you need to prove that that address is somewhere you have lived for a an amount of time. That you have utility bills, council tax etc in your name. Similar to the sorts of things you have to do to obtain a bank account. I've no idea but it's an interesting one.

 

[gus-lopez]

I guess it might come down to - do you have a UK address?.

I have one or two of those

That you have utility bills, council tax etc in your name.

Many women & a few men, have none of those & who have lived in the Uk all there lives

That you have utility bills,

Always worth having a utility bill in your name in the UK when you live abroad & no not a mobile phone one as they don't count.

Similar to the sorts of things you have to do to obtain a bank account.

In the Uk ,maybe. In most other civilised countries you can open a non resident bank account with just a passport & money.

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[Lenny HB]

I renewed mine when in Spain this year but you can only renew with the same company on a continuation basis.

You can not take out a new policy with a company if you are outside the UK.

I'd be interested to see this in writing. I just experimented. I went online and got a quote for car insurance. At no point did the quote form ask 'where are you now?' or similar. Unless it's hidden in thedepths of the T & C's somewhere.

I'm going to have to eat humble pie as it looks like you can do it, I'm sure you weren't able to years ago. But anyone doing it best to check with the company.

Found this on the LV site.

 

[Mad dog]

I have in fact quoted both if you look, both the Motorhome and the breakdown. I was careful to make sure I quoted the 2023 versions.

Sorry, I see both links now! Bizarre you can get breakdown recovery in counties where you're not insured!

 

[carolyn]

Sorry, I see both links now! Bizarre you can get breakdown recovery in counties where you're not insured!

I agree, absolutely barmy. We’d been with them for years and only moved to NFU to get cover for Turkey but their breakdown covers Western Turkey. Makes no sense as I don’t think you can buy it as a stand alone policy. Maybe you can? Plan on going back to them in March.

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[nicholsong]

I have just realised a quirk of my insurance: some of you may remember that I was refused re-registration of my RHD MH by the Polish government, because it is >3.5t (got round it with Vintage registration).

When it came to insurance only one company will insure RHD - it is the government one - The Irony !

Back to the topic the Insurers cover me for all Europe(not just EU), plus Morocco, Israel etc. with fully comprehensive. Some exclusions for theft in Russia and some similar countries.

I came across a Swiss MHomer with similar cover.

It seems that the UK market is out of step with other parts of the insurance market.