Insurance for Driving Abroad and in Europe

Car insurance for driving in Belgium, France and Spain

Using a car on holiday or for business travel can be very useful, especially if you have a family to transport or if you are travelling in an area with limited public transport options. Many of us decide to drive when abroad, either by using our own car or a rental vehicle.


If you have an active insurance policy on your car that was taken out in the UK, you are legally insured to drive that vehicle in the following EU countries:

Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden (Source:

You will also be able to drive in some non-EU European countries, including Iceland, Norway, Switzerland, Andorra and Serbia who are part of the EU Motor Directive.

The Motor Insurance Directive states that all motor vehicles in the EU receive compulsory third party motor insurance. Third party insurance covers all compensation, damages and repairs to third parties in the event that you cause an accident whilst driving. With this cover, your insurance will pay for any damage to another driver, pedestrian or property in that country, so long as the country in which the incident took place is part of the EU Motor Directive.

Third party insurance does not cover any damage done to yourself or your car in the event of an incident whilst you are abroad. If you wish to get out a more comprehensive level of motor insurance whilst travelling, contact us to speak to one of our helpful insurance specialists right away!


If you are looking to drive your car to a country outside of the EU or to a country which is not a part of the EU Motor Directive, you will require an International Motor Insurance Certificate, also known as a Green Card. The Green Card system is mainly a European initiative but many neighbouring countries also use the Green Card system.

Whilst it doesn’t provide you with any extra cover such as for theft or damage, the Green Card is instantly recognisable and universally accepted all over the world by police forces and confirms that you are insured on the roads. Again, if you desire a fuller insurance policy when driving outside of the EU, get in touch with us to explore our fully-comprehensive options.


If you are renting a car in a European or another foreign country, part of the rental cost will include basic insurance. As is legally required, when renting you will be insured against liability for the financial cost of bodily injury or death suffered by third parties, and property damage sustained by third parties.

You will be given the opportunity to purchase more comprehensive motor insurance when renting a car abroad. These policies may include cover for the following scenarios:

• bodily injury or death that you (the driver at the time of the collision) may suffer; or
• any damage to or loss of your personal property or possessions; or
• any damage caused to the rented vehicle
These instances are not covered by third-party insurance alone. If you wish to be covered for the above then you will need to opt for extra insurance with your rental company.

The Criteria for Applying

In order to get car insurance with one of Proper Finance’s trusted insurers, you must:

  • Be at least 17 years of age;
  • Hold a valid EU driving licence;
  • Be a permanent resident of the UK;
  • Have a vehicle that is owned and registered by you, your spouse, partner or civil partner at your address;
  • Have the relevant documents to prove that you, your spouse, partner or civil partner are the legal owner and primary driver of your vehicle.


Getting great car insurance for driving in Europe or abroad is easy with Proper Finance. Simply fill in a few of your details using our online form and you will be contacted by one of our friendly insurance partners. They will assist you every step of the way, helping you get a competitive quote for your vehicle and insured as effectively and quickly as possible, so you can stay covered whilst on holiday or on your business travels.

If you wish to view the other services Proper Finance has to offer such as low-cost loans, please see Our Products. Alternatively, send us an email at and we will get back to you to help you with your request.