•   Friday, March 5, 2021

How do I insure my car against foreign travel? Practical advice

Travel in Europe, business trips abroad, holidays - regardless of the purpose and reason for your trip, you should take care to purchase an insurance policy that will ensure proper safety also outside Poland. We suggest what you should know before signing a contract.

MTPL purchased in Poland is also valid in other countries

Since Poland's accession to the European Union, many regulations have been unified. This means that the same rules apply in different countries.

The obligatory third party liability policy for each driver, issued by the Polish insurance company, is valid in all EU countries (as well as in several other European countries). They belong to them:

Austria, Andorra, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom.

If the driver causes an accident or collision abroad, the insurer will cover the costs of repairing the vehicle of the injured road user.

It is important to check the validity of the policy

Before going abroad it is necessary to check the validity of the third party insurance policy and make sure that the premium is paid for. Checking all the formalities related to car insurance is very important. If you find that your insurance has not been paid for on time, you may receive a severe penalty for your wallet. If it causes a crash or a collision, the damage will have to be paid for out of your own pocket.

Necessary Green Card

It is worth knowing that there are countries that require drivers to have a Green Card. It provides protection against damage caused to third parties. The countries where the Green Card must be taken are..: Albania, Azerbaijan, Belarus, Bosnia and Herzegovina, Montenegro, Iran, Israel, Macedonia, Morocco, Moldova, Russia, Turkey, Tunisia and Ukraine.

AC insurance useful abroad

Although AC insurance is not mandatory, it can be extremely useful when travelling abroad. Thanks to AC, the insurer will cover the costs related to the repair of the car in case of damage caused by third parties and external circumstances (e.g. weather problems). If the car is found to have been stolen, devastated or damaged by hail, the insurance company will pay the compensation due.

It is worth checking if AC is valid in the country of destination

AC insurance holders should make sure that the insurance cover also covers other countries. In most insurance companies, even the basic AC package is valid not only in Poland, but also in other European countries.

Importantly, insurers sometimes exclude certain countries from the scope of AC insurance. This situation is caused, for example, by an increased risk of collision or theft of the vehicle. Before going on a trip, you should check whether the country in question is on the insurance exclusion list. Such information can be found in the GTC (General Insurance Terms and Conditions).

Assistance will provide additional protection abroad

Going abroad it is worth to take out an additional assistance policy. Her goal is to

assistance to the driver in the event of unexpected events. Assistance consists of such services as: consulting, service, medical services or towing.

While abroad, it may be particularly important to repair the vehicle on the spot, tow the vehicle, replace the wheel, and hire a replacement vehicle in the event of accident, accident or theft.

Asssistance services should also include transporting the insured person to a medical facility. For people travelling with children, it may be particularly important to support the insurer in organizing the accommodation and assist in transporting the victims to the country.

It is worth to prepare yourself for the foreign journey in a solid way. Knowledge of the scope of individual insurance policies and the possible support of an insurer will be very useful in the event of unexpected and stressful road accidents.

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