European Car Insurance
Are you planning to drive in Europe? You’ll be happy to know that it is easy for UK motorists to cruise through European countries. That said, it is important to make sure you are covered in the event of any unwanted mishaps along the way.
Key takeaways
As of August 2021 you won’t require a green card to drive in the EU - and most standard insurance policies include third-party cover for driving on the continent
You will need your driving licence, international driving permit (IDP) in some cases, vehicle logbook (V5C), car insurance certificate and travel insurance documents
Check your car insurance policy documents to be sure of what you’re covered for before you leave, and contact your insurer to let them know

What is European car insurance?
European car insurance is cover you can take out specifically for taking your car across the Channel to the continent. It gives you vital financial protection against costs related to car accidents or theft, and it’s a legal requirement to drive in most countries in Europe.
What car insurance do I need to drive in Europe?
You’ll need at least third-party car insurance to drive your car in Europe, but you won’t need to take out specialist cover unless you’ll be using your car for things like racing or touring.
Does standard car insurance cover me for driving in Europe?
All UK car insurance policies include third-party cover for driving in Europe as standard. However, even if you have a fully comprehensive policy, don’t assume you’ll have the same level of cover abroad - so check the specifics of your policy before you go. You might be able to upgrade your cover if you want more extensive protection - it’s worth talking to your provider.
How do I get car insurance for driving in Europe?
You should check your current car insurance policy to see what it covers and whether you need to let your insurer know that you’re travelling. It might be worth talking to them anyway to see if you need any extra cover.
If you’re a regular traveller, it might be worth considering a car insurance policy that offers comprehensive cover for driving abroad when it comes to renewal time.
Can I get temporary car insurance for driving in Europe
Yes, you can take out a short-term or temporary car insurance policy to cover your trip to Europe. You might find this to be an easier solution than adding cover to your existing policy.
What does European car insurance cover?
The cover you’ll get with your European car insurance policy can vary depending on your provider and level of insurance, but you will have at least third-party cover for any damage or injuries you cause to someone else.
What countries can you drive in with European car insurance?
You’ll be able to drive in any country in the EU alongside the following:
Andorra
Bosnia and Herzegovina
Iceland
Liechtenstein
Norway
Serbia
Switzerland
How long does European car insurance last?
Most standard car insurance policies will include cover for around 30 to 90 days of driving in Europe, but check your policy documents to be sure. More comprehensive cover might include protection for a longer time period.
What isn’t covered by European car insurance?
You might need to take out specialist cover if you’re using your car for track days or rallies, especially if it’s overseas. Your existing policy may also only offer basic third-party cover, but you’ll be able to upgrade it in most cases.
As with any car insurance policy, you won’t be able to claim for accidents caused by reckless driving or drugs or alcohol
Will I be covered for car breakdowns in Europe?
It depends on your policy, as not all car insurance policies will offer European breakdown cover as standard. You should be able to add it for an extra fee if it isn’t already part of your policy - it works the same as breakdown cover in the UK.
Can I drive in Europe after Brexit?
Yes, you can still drive in Europe after Brexit - and all UK insurance policies include third-party cover as standard for driving in Europe. You won’t need a green card to drive in the EU either.
As of August 2021, a green card is not required for driving in the EU, thanks to a deal made between the UK and Europe. This means that if you’re driving anywhere in the EU, you won’t need a green card. Your UK insurance will cover you, just like it did before Brexit.
What is a car insurance green card?
A green card is an international insurance certificate that is recognised in 48 countries, including all EU countries. This document proves that you have the necessary minimum insurance coverage required by the country you're visiting.
What other documents do I need for driving in Europe?
When you’re in Europe, be sure to have the following documents to hand:
Your car’s logbook
Your insurance certificate and documents
Passport and driving licence
Travel insurance documents
DVLA checkbook if you’re hiring a car
You might need an International Driving Permit if you’re driving outside of the EU, Switzerland, Norway, Iceland or Liechtenstein - or if you have a paper driving licence, or a photocard licence from Gibraltar, Guernsey, Jersey or the Isle of Man
How much does European car insurance cost?
If you’re travelling for 30 days or under, depending on your policy, you’ll be protected already at no extra cost. However if you’ll be away for an extended period of time or you want a more comprehensive level of cover, you’ll likely need to pay a little extra - the amount will vary by insurer.
How to get cheaper European car insurance?
While you won’t need to pay any extra for third-party cover if you’re away for less than 30 days, if you’re taking out a separate policy or looking for ways to keep costs down, try the following:
Build a no-claims bonus by avoiding car insurance claims for at least a year - the longer you go without claiming, the bigger your discount will be
Trim any unnecessary extra add-ons from your car insurance policy that you won’t need or can cover yourself
Keep your expected mileage low - the less time you spend on the road, the less likely you are to be involved in an accident
Tips for driving in Europe
While the basic road rules in Europe are similar to the UK, it’s still good to keep the following tips in mind:
Display a UK sticker: If you’re in the EU you’ll need to either have a UK sticker or a number plate with the Union Jack - while in Spain, Malta and Cyprus you’ll need a sticker regardless
Read up on local laws and road signs: Look up local road laws and signs to prepare yourself for driving in different European countries - remember most drive on the right hand side
Make sure you have the right equipment: You might be required to have a high-vis jacket and a red warning triangle in your car, as well as a first-aid kit
Carry change for motorway tolls: You should also carry plenty of change for motorway tolls, which are more common in Europe
Get your car serviced and keep up with maintenance: Book in a service for your car before you leave to make sure it’s in good shape, and check water, oil and coolant levels as well as your tyres while you’re away
Take your insurance documents: Keep your insurance documents and policy details with you at all times for quick reference in case you need them
Compare car insurance quotes
To find the best deal for your European adventure, use MoneySuperMarket to compare car insurance quotes online. You'll be able to sort through deals by their monthly and annual cost, coverage, and the excess required for claims. Once you've found the perfect quote, you can finalize your purchase directly on the provider's website.