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Car Insurance Imported: Why You Need A New Policy When Relocating

A lot of people that move from one country to another wonder if they can get car insurance imported to the new country that they move to. In most cases, you are going to have to deal with moving to a new country by buying a new insurance policy in that particular country. The reason that you cannot simply have your auto insurance imported is because most companies have specific statements in their contract that tell you where they will cover you on an insurance policy. Therefore, if you buy a policy in the United States, it is not a good idea to expect that you will be covered from your United States auto insurer if you end up moving to the United Kingdom.

Car Insurance Imported – When it Works

The only time that having your car insurance imported to a new country that you move to is when that particular country is included in the coverage guidelines. This does not usually happen when moving from the U.S. to another country or from another country to the United States. However, there are a few companies out in Europe that will cover you through multiple locations in Europe. In this case, you may be able to stick with your same provider if you move to a neighboring country in Europe. However, it is always important to check with your insurer to make sure that you will be covered.

When You Need New Car Insurance

If you move to a new country that is not covered under your existing policy, it is best to cut your losses by canceling your existing policy and look for a new one. You don’t want to get to your new country and start driving around without having insurance. If you aren’t going to buy an insurance policy right away, then make sure that you at least get some temporary car insurance to cover you initially so that you can drive legally. The concept of having an insurance policy “imported” to a different location does not work in most cases; you never will need to go through an “import” process. However, what you will need to do if you are changing locations is ask your existing provider whether they will cover you.

What to Keep in Mind

If you live in Europe and are moving to a neighboring country, there is an outside chance that you will get coverage in the new country that you are moving to from your old policy. There are several companies that provide coverage in England as well as Ireland and throughout other parts of Europe. Always ask where your coverage location extends to through your existing provider if you don’t already know.  Know that in most cases, you will not be able to get your coverage imported to a different country, so make sure that you compare policies by reading car insurance reviews and find a new company to get your insurance through.  As a sidebar, don’t get the concept of having your auto insurance imported confused with “import car insurance” – something completely different.

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