What Do I need to do if using my Car abroad?

No matter where you go in Europe, be it Ireland, Wales, Scotland or the mainland, you are covered for at least the minimum level legally required in that country with your UK motor insurance policy. Even though, you still need to inform your insurer before you go abroad, in particular to check that the minimum level of cover is right for you in the place where you are going. The minimum level of cover may not include damage, theft or liability. Thus, you should ask your insurer where your cover extends to before you leave, to ensure you get the appropriate protection.

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What if I am a mature driver?: Drivers over the age of 50 tend to have less than average number of accidents and as such deserve a discount on their car insurance premiums. However not all insurance companies recognise this claiming behaviour and offer the over 50’s market a discounted premium.
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I am at the scene of an accident - what do I do?: Take note of the registration number of all vehicles involved within the accident.
As a result of the accident, my car has been damaged - can I go ahead and get it repaired?: If you have taken out comprehensive car insurance cover and wish to claim under the policy, a specific claims procedure will be given to you when you contact the Claims Line to notify them of the accident. You should not repair your vehicle without the approval of your insurer.
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You must prepare your car thoroughly before you go abroad, by way of having a full service, remembering to ask the garage to adjust your headlights to dip towards the right. Ferry companies do not allow petrol to be carried in a can on board, so you should get a full tank of petrol in your Motor before putting your vehicle on the boat. You need spare bulbs for your headlights, a first aid kit and a warning triangle, as these are compulsory in many countries. You might also want to carry a spare clutch cable, as many overseas makes will not fit a UK vehicle.

The there is a green card, which your motor insurance company should give you as proof that you and your vehicle are up to scratch as far as local motor insurance requirements are concerned. It is internationally recognised and you should therefore ensure that you pack it, along with your policy number, and the contact details for your insurers in case of emergencies

The actions taken should an accident happen in abroad aren't too much different than if one occurs in the UK. You should stay calm, don't admit fault, check for injuries, and contact the emergency services should injuries have incurred. If a police officer comes, make sure you note his number. Whilst doing that, you want to get the details for the other driver as well. Note their registration plates and their vehicle details as well as their name and address. If you have any witnesses then you should get their details as well.

Sometimes, you'll be presented with a document in a foreign language that you don't understand, and are asked to sign it, then write in as large letters as you can: "I DON'T UNDERSTAND THIS DOCUMENT". Take photos of the accident, and bear in mind that you may need to complete an accident statement. If the damage to you Motor is minimal then you can wait until you get back to the UK before contacting your insurer. Should the damage be serious, then call your insurer's emergency claims number.