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Taking your car to france insurance

TYRES:
With the exception of the Berlingo Grip Selection vehicle available for delivery from November 2015, all other vehicles are supplied with standard tyres. Winter tyres are not available from Citroën. If winter tyres are fitted by the customer during the contract period, they must be removed and fitted with the standard tyres that were originally supplied with the vehicle, otherwise the contract holder will be invoiced for the cost of the standard tyres. Tyre punctures and tyre and wheel damage or vandalism of any kind are at the contract holder’s expense.

Please Note: Standard tyres may not be suitable for winter road conditions and extreme weather in various countries throughout Europe. For safety reasons, it is the responsibility of the contract holder to ensure that their car suits the road, weather conditions and the legal requirements for road safety throughout the countries where the car will be driven during the term of the contract.

ACCESSORIES:
Accessories ordered by the customer with the vehicle are actually privately purchased by the customer and are not eligible for refund or buy-back on return of vehicle.

CHILD SEATS / RESTRAINTS:
Regulations and seat fittings in Europe for child seats and restraints differ from those in Australia. The European regulation and mounting system is known as ISOFIX and the child seats in Australia do not have ISOFIX mountings on them and will therefore not be acceptable for the European regulations and vehicles. A variety of child seats are available for purchase from Citroe¨n.

PICK UP AND DROP OFF COSTS:
Pick-up and drop-off of Citroe¨n vehicles are free of charge within France. Charges are applicable to pick-up and drop-off of vehicles in other European cities. These costs are pre-paid.

CONTRACT EXTENSION COSTS:
A request for a contract extension should be made 10 days prior to the expiration date of the original contract with payment reaching Citroën Champ De Mars 5 days before the expiration date of the original contract.

It is necessary to advise Citroën Champ De Mars of a location to which extension insurance documents can be sent to you. If the extension payment is not made, the vehicle will only be insured for the initial contract period. Extensions are calculated on a daily rate according to Citroën Champ De Mars extension pricing, which is a higher daily rate than the published daily rate on the Citroën Australia price list.

OPENING HOURS:
Please check with Citroe¨n to confirm the opening hours of pick-up and drop-off locations. Some locations require appointments up to 4 days in advance. Note: Staff at the delivery centres will wait for you for approximately 30 minutes after the scheduled time (see the delivery centre slip delivered by your agent). If you change your flight schedule or your appointment, you must call the delivery centre and CITROE¨N Champ De Mars at least 72 hours prior to the scheduled time.

PICK UP OF VEHICLE:
When ready to pick-up your Citroe¨n vehicle you must have your valid passport, a full and valid driver’s licence, an international Driver’s licence, and the copy of the order form/contract to present to the Citroe¨n staff. Note that vehicles are delivered with 15 litres of petrol or 10 litres of diesel fuel. An optional full tank of fuel can be purchased at the time of booking.

USEFUL PRECAUTIONS WHEN DROPPING OFF A VEHICLE:
Please keep in mind the following: All vehicles must be returned with the same type of standard tyres fitted that were originally supplied with the vehicle at the time the vehicle was picked up, otherwise the contract holder will be invoiced for the cost of the standard tyres.

Any accessories purchased and fitted by the contract holder are not eligible for refund or buy-back on return of the vehicle. It is important that you return all the keys, safety kit, transponder card, insurance and registration papers. A charge of up to 650 Euro will apply to the contract holder at the time of the vehicle return if these items are not returned with the vehicle.

Please note that should the car be returned without the registration papers, the contract holder will be invoiced 200 Euro the cost of replacement.

ORDER FORM/CONTRACT EXTENSION:
While travelling you can arrange an extension of the order form/contract by contacting Citroën Champ De Mars, 115 avenue de l’Arche 92402 Courbevoie, France, Telephone +33 1 56 47 61 61. A request for an order form/contract extension should be made 10 days prior to the expiration date of the original order form/contract with payment reaching Citroe¨n Champ De Mars 5 days before the expiration date of the original order form/contract.

It is necessary to advise Citroën Champ De Mars of a location to which extension insurance documents can be sent to you. If the extension payment is not made, the vehicle will only be insured for the initial order form/contract period and the uninsured order form/contract holder will bear all civil, material and criminal liability for any incidents that may occur. No refunds are applicable to extension contracts. Extensions are calculated on a daily rate according to Citroe¨n Champ De Mars extension pricing, which is a higher daily rate than the published daily rate on the Citroe¨n EuroPass/Europass price list.

Please Note: The new insurance certificate corresponding to the contract extension will be delivered only after the receipt of the payment. Without any payment, and phone call to Citroën CHAMP DE MARS the customer will bear all civil, material and criminal liability for any incidents that might occur.

COST OF FUEL IN EUROPE:
Please check here for the latest reports: http://www.theaa.com/motoring_advice/fuel/

DROP OFF OF VEHICLE:
All Citroe¨n vehicles must be returned to the destination listed on the customer’s Citroe¨n Champ De Mars order form/contract and letter of confirmation or the Booking Agent confirmation. If delivered to another location additional charges will apply to the customer or the booking agent. It is important to contact your return destination by telephone up to 4 days in advance to advice of the return of the vehicle. The telephone number of your return destination is provided in your Citroën letter of confirmation.

EARLY RETURN / AMENDMENTS TO DROP OFF:
Amendments to drop off location can only be arranged by contacting the Citroen office in Paris at least 72 hours prior to your return date. Some additional charges may apply and must be paid prior to the return of the vehicle.

COST OF VEHICLE ABANDONMENT:
A Citroën vehicle is considered abandoned when it is left anywhere other than a return site approved by Citroën Champ de Mars, a list of which is provided in the customer pack. If the vehicle is abandoned in the same town as the return centre originally planned, the customer will be invoiced for the actual costs incurred for its transport and additional costs (car parking, storage, etc) established by Citroe¨n Champ de Mars. In addition to these costs, if the vehicle is abandoned anywhere other than in the same town as the original return centre, the customer will pay a fixed penalty of $600 if the vehicle is found in France and $800 if the vehicle if found abroad.

REFUNDS:
REFUNDS FOR EARLY RETURNS: A refund of unused days after collection is possible but is subject to fees and charges, plus agency fees that may vary from agent to agent. Early returns must be made 7 days before the contract expires for a refund to be considered. A minimum of 31 days is charged before a refund is considered. No refund will be made for contracts that have been running for less than 31 days. Additionally the “transfer of the ownership certificate” must be completed, signed and returned to Citroe¨n before a refund is available.

For students, early returns must occur 30 days before the contract end date to enable a refund. No refund for agent’s “special promotions or offers” regardless of duration. No refunds are applicable to extension contracts. Please forward your request to Citroe¨n or your agent. A fee of 20% on the difference between the initial value of the contract (including any promotions or discounts) and the new contract value, plus an administration fee of $80 plus any travel agent fees is charged for early returns. Travel insurance is recommended.

CONSUMER CLAIMS:
All consumer claims must be lodged in writing within 14 days of the return of the Citroe¨n vehicle. Claims will only be considered upon presentation of ORIGINAL INVOICES AND RECEIPTS. Duplicates and photocopies will not be accepted when making a claim.

ONLY THE GENERAL MANAGER, CITROE¨N CHAMP DE MARS IN PARIS CAN AUTHORISE CONSUMER CLAIMS IN EUROPE. VERBAL OR WRITTEN ADVICE FROM ANYONE OTHER THAN THE GENERAL MANAGER, Citroën CHAMP DE MARS ARE NOT ELIGIBLE FOR ANY CLAIM.

IMPORTANT:
No original invoice = no refund No original of a complaint filling = no refund No original detailed declaration = no refund

DRIVE SIDE:
All Citroën EuroPass vehicles are supplied as LEFT HAND DRIVE.

VEHICLE IMMOBILISATION:
In the event of a loan vehicle being required due to mechanical breakdown, accident or repairs, the assistance and insurance conditions are as indicated in the rental contract, and will no longer pertain to the terms and conditions of the original order form/ contract. A replacement vehicle of the same or lower category will be available, without any specific equipment and within the limits of local availability. It is a requirement that the replacement vehicle be returned to the location at which the replacement vehicle was supplied from, unless otherwise indicated by Assistance Citroën T.T. Assistance Citroën T.T. can be contacted on: 33 5 49 25 24 24 In all cases, Assistance Citroën T.T., reserves the right to elect a solution and make the final decision. Assistance Citroën T.T. will not support or retrieving the vehicle stipulated in the order form/contract when it is said "repaired".

INSURANCE:
Not covered by insurance loss or non return of the vehicles keys, safety kit, transponder key card, registration and insurance papers, repairs or work done to your vehicle unless authorised by Citroen Champ de Mars, personal effects, telephone calls, window glass and exterior mirrors.

TRAVEL INSURANCE:
Travel insurance is the responsibility of the customer. We recommend customers contact a travel agent or an insurance company to obtain travel insurance.

Important Note: Personal effects that are destroyed or damaged as a result of fire or theft from the vehicle are not insured under the Citroën EuroPass/EuroPass vehicle insurance schedule. It is strongly advised that personal travel insurance is obtained for the duration of the trip to cover all personal effects in the event of fire, theft or accidental damage.

VEHICLE INSURANCE:
The insurance document for the Citroën vehicle will be issued at the time of pick-up of the vehicle. The vehicle is insured by a comprehensive insurance policy. This insurance is valid in countries as listed below. Please note that due to local conditions in Europe, insurance coverage for some countries is subject to change. It is important that you check with Citroe¨n to ensure the insurance is valid for your destinations. Customers who travel in a country where the insurance is not valid do so at their own risk and shall assume full responsibility for any incidents during the course of their travels in those countries.

NOT COVERED BY INSURANCE:
Not covered by insurance are punctured or damaged wheels and tyres, loss or non-return of the vehicle keys, safety kit (where supplied free of charge), transponder key card, registration and insurance papers, personal belongings, failures from lack of fuel, incorrect fuel in fuel tank, vehicle off road or any other problem following the loss of keys or failure to remember the confidential codes or locking keys in the car, using roads unsuitable for motor vehicles or encountering difficulties on these roads, failure to respect the manufacturer’s vehicle servicing plan, police immobilizing the vehicle, vehicle being immobilized for legal purposes, accidents where the driver is under the influence of alcohol or another illegal substance, acts of God, war, strikes, natural disasters, etc, participating and or preparing for sporting competitions, rallies or trials, damage or breakage of windows, lights and mirrors, vehicle failure as a result of incorrect use, telephone calls, personal effects and personal expenses other.

IN THE EVENT OF ACCIDENT, THEFT OR VANDALISM:
Contact: Citroën Euro Pass Assistance 24/7
· From France: 01 49 93 73 74
· From Abroad: +33 1 49 93 73 74 According to your situation, send the following documents
· accident statement · or detailed report on plain paper (if no third party identified)
· and/or police report Send these document to · In the first instance by email to customer-care-tt@mpsa.com AND AS WELL
· SEND THE ORIGINAL DOCUMENTS BY POST TO:
Citroën EURO PASS –SERVICE ASSURANCE IMMEUBLE NOVA – 71 BOULEVARD NATIONAL 92250 LA GARENNE- COLOMBES—FRANCE Citroe¨n Assistance 2015 IMPORTANT: You may be in a country that does not recognize the European accident report. Regardless of this, in ALL CASES, fill it in and sign your own report and send it to Citroën Euro Pass. In case of theft or theft with breaking, you need to have a police report and send it to Citroën Euro Pass.

ROADSIDE ASSISTANCE:
Roadside assistance may not be available in some countries where the vehicle insurance policy is in effect. Please contact us for more details.

QUOTATIONS:
Quotations on the Citroën EuroPass/EuroPass programme, either verbal or in writing are valid for 7 days from the date of quote and are in Australian dollars.

CITROEN ASSISTANCE GUIDE:
Click here for the Citroen Assistance Guide (102 Kb - PDF)

CONSUMER CLAIMS:
All consumer claims must be lodged in writing within 30 days of the return of the Citroën EuroPass vehicle. Claims will only be considered upon presentation of original invoices and receipts. Duplicates and photocopies will not be accepted when making a claim.

Only the General Manager, Citroen Champ De Mars in Paris can authorise consumer claims in Europe. verbal or Written advice from anyone other than the General Manager, Citroen Champ De Mars are not eligible for any claim.

DISCLAIMER:
Drive Travel acts as an agent for Ateco Automotive Pty Limited trading as Citroën Australia and Citroën EuroPass/EuroPass. Citroen Drive/Europe/EuroPass reserves the right to discontinue or change the models, features, specifications, options, designs and prices of the products referred to without incurring any liability whatsoever to any purchaser or prospective purchaser of any such products. Some of the items referred to are at extra cost.

ADDITIONAL INFORMATION:
Ateco Automotive Pty Limited (hereafter referred to as The Company) issue all Leasing Contracts subject to the terms and conditions specified by the supplier. By accepting the Order Form / Lease Contract and utilising the services, persons agree that neither The Company nor any of its representatives shall be liable to any person for any loss, injury or damage to such person or their belongings or otherwise in connection with the Lease Contract resulting directly or indirectly from any occurrences beyond its control including breakdown in equipment, strikes, theft, delay or cancellations or of changes in itinerary or schedules etc. Travel documents are the responsibility of the person taking the tour, as is compliance with Customs regulations.The Company reserves the right to deny a booking request. No employee of The Company or affiliated companies or representatives can change the terms under which any person agrees to take up any offer with this product.

CITROEN EUROPASS ASSISTANCE:
Citroën Europass Assistance is available to contract/order form holders 24 hours a day, 7 days per week and can be contacted on +33 1 49 93 73 74. Such call charges are the responsibility of the contract/order form holder. Citroe¨n Europass Assistance is intended as a valuable source of support for customers. However, it cannot claim to provide a full and complete solution for all types of incidents, nor can it provide a guarantee against the need to change your plans. The details for Citroën Europass Assistance can be found on the reverse side of the Citroën order form/contract, in the Europass Assistance Guide.

Please note: that Citroën Europass Assistance may not be available in some countries where the vehicle insurance policy is in effect. details.

CITROËN CHAMP DE MARS CUSTOMER CONTRACT:
We recommend that customers read the “General Sales Terms of Citroën Vehicles”, “Special Conditions”, “General Warranty Terms of Citroën Vehicles” and “Citroe¨n Europass Assistance” on the reverse side of their copy of the Citroën Champ De Mars order form/contract and the Citroën Europass Assistance Guide. Those terms and conditions form part of the Citroën EuroPass/ Europass Terms and Conditions. ( Click Here - 102 Kb PDF )

WHERE CAN I DRIVE MY CITROEN ?
Of all tourist leasing operators Citroën EuroPass offers the broadest range of countries where your comprehensive insurance applies.Vehicles can be driven throughout Western and Eastern Europe such as:

Please note that due to local conditions in Europe, insurance coverage for some countries is subject to change
  • Andorra
  • Austria
  • Balearic Islands
  • Belgium
  • Bosnia-Herzegovina
  • Bulgaria
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France incl Corsica
  • Germany
  • Gibraltar
  • Greece (incl.Crete & Greek Islands)
  • Hungary
  • Iceland
  • Ireland
  • Italy (incl.Sicily & Sardinia)
  • Lativa
  • Leichtenstein
  • Lithuania
  • Luxemburg
  • Macedonia
  • Malta
  • Moldova
  • Monaco
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • San Marino
  • Serbia & Montenegro Slovakia
  • Slovenia
  • Spain incl Canary Islands
  • Sweden
  • Switzerland
  • United Kingdom
Note: Some countries may require a International Driving Permit (IDP). Click here for more information

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Driving your own vehicle abroad

Many drivers abroad opt to take their own vehicle, rather than rent a car in the countries they’re visiting. This is especially true of drivers of motor homes who may choose to take an extended tour of a number of countries for a lengthy period of time, which would make renting a car in each country very expensive.

There are different rules in force depending on –
a)Your home country
b) Which country(s) you want to drive your own vehicle in

It may be that you can be legally covered to the minimum level required by law in another country, via the International Motor Insurance Card System. This covers many regions of the world and allows drivers to visit other countries and be covered for 3rd party insurance by holding a valid card.

There a bewildering array of different coloured cards in operation across the world, with all serving much the same purpose – to ensure that the that victims of road traffic accidents do not suffer from the fact that injuries or damage sustained by them were caused by a foreign motorist . Generally, the system is a reciprocal agreement between insurance companies in neighbouring or nearby countries, meaning that if you are a holder of an International Motor Insurance card, you will be covered by at least 3rd party insurance when driving abroad. If you want to extend the full cover of your home policy, you will need to speak to your insurance company, who will levy an additional charge, depending on where you plan to take your vehicle.

There are multiple motor insurance systems around the world, established on regional basis. The first was the Green Card system established in 1949 in Europe, but later other regions followed suit.
Most motor insurers will issue an International Motor Insurance Card to their policy holders, but have no obligation to do so. Even if your company say a green card isn’t needed, it’s useful to have one if your insurance certificate is only written in your own language. Some insurers do print on translations to the principal European languages on the reverse of their certificates, explaining that your certificate is evidence of the existence of the minimum cover required by law throughout the European Union.

Some countries of the world don’t recognise International Motor Insurance Cards at all, and some countries require drivers to have insurance via a local company. You do therefore need to plan for the specific countries you intend to take your vehicle to.

International Motor Insurance Card Systems

The Green Card system
The Green Card system  is overseen by the Economic Commission for Europe, based in Geneva and is recognised in over 40 countries including all the countries in Europe and a number of neighbouring states.

It offers no insurance cover. It is proof that the minimum legal requirements for third party liability insurance in any country for which the Green Card is valid are covered by the insured’s own motor policy. If you want to extend the full cover you have on your policy in your own country, you will need to speak to your insurance company –obviously they will charge more for this.

A Green Card is not required by law to cross borders within the European Union and some other countries. This is because all EU countries and certain other countries comply with the first directive on motor insurance, which says that every insurance policy issued in the EU must provide the minimum insurance cover required by law in any other EU country.

Countries covered by the Green Card are –
Albania
Andorra
Austria
Belarus
Belgium
Bosnia
Bulgaria
Croatia
Cyprus
Czech Republic
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Iceland
Iran
Ireland
Israel
Italy
Latvia
Lichtenstein
Lithuania
Luxembourg
Macedonia
Malta
Moldova
Montenegro
Morocco
Netherlands
Norway
Poland
Portugal
Romania
Russia
Serbia
Slovakia
Slovenia
Spain
Sweden
Switzerland
Tunisia
Turkey
Ukraine
UK

The EU countries that don’t need a Green Card by law are :
Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovak Republic, Slovenia, Spain, Sweden, Switzerland, UK

Orange card system
The Orange card system is established between most of the members of the Arab League and is applicable primarily in the Middle East and North Africa.

Participants are: Algeria, Bahrain, Egypt, Iraq, Jordan, Kuwait, Lebanon, Libya, Mauritania, Morocco (also Green card member), Oman, Qatar, Saudi Arabia, Somalia, Sudan, Syria, Tunisia (also Green card member), United Arab Emirates and Yemen.
Blue card system
The Blue card system is established between the members of the ASEAN and is applicable in South East Asia.

Participants are: Brunei, Cambodia, Laos, Malaysia, Myanmar, Indonesia, Philippines, Thailand and Vietnam.

Pink card system
The Pink card system is established between the members of the Economic Community of Central African States and is applicable in Central Africa.

Participants are: Cameroon, Central African Republic, Chad, Congo, Gabon and Equatorial Guinea.
Brown card system
The Brown card system is established between most of the members of the Economic Community of West Africa States and is applicable in Western Africa.

Participants are: Benin, Burkina Faso, Gambia, Ghana, Guinea, Guinea-Bissau, Ivory Coast, Liberia, Mali, Niger, Nigeria, Senegal, Sierra Leone and Togo.

Yellow card system
The Yellow card system is established between most of the members of the Common Market of East Africa States and is applicable primarily in Eastern Africa.
Participants are: Burundi, DR Congo, Eritrea, Ethiopia, Kenya, Malawi, Rwanda, Tanzania, Uganda, Zambia and Zimbabwe.
The non-participating COMESA members are: Comoros, Djibouti, Egypt (Orange card member), Libya (Orange card member), Madagascar, Mauritius, Seychelles, Sudan (Orange card member) and Swaziland.

White card system
This is still at proposal stage and could include the following countries if they are deemed unable to join the green card scheme –
Afghanistan, Azerbaijan (Green card candidate), Kazakhstan, Kyrgyzstan Pakistan, Tajikistan, Turkmenistan ,Uzbekistan

International Car Insurance –
Before you begin your search for an international car insurance policy, you should ask for some international car insurance quotes from your current insurance company. Sometimes a domestic company will offer this type of insurance, or if they don’t, they can give you some advice.

There are also a number of companies who specialise in International motor insurance –

Clements are probably the best known  company specialising in policies for ex-pats and others wanting to drive their vehicle abroad. www.clements.com/

GEICO are US Based but have many international offices. They work with international insurance underwriters to find a company who will provide cover in the region you’ll be taking your vehicle to. http://www.geico.com/information/aboutinsurance/overseas/

Esurance are a company who specialise in insurance for US Visitors wanting to take their own vehicle to Canada or Mexico http://www.esurance.com/international-insurance

This company provides international auto insurance but seems to focus mainly on Corporate cover http://www.castlerockinternational.com/property-insurance/international-auto-insurance
American Insurance giant AIG also seem to be able to arrange international car insurance though I wasn’t able to find any links to this on their website.

Carnet de Passage

A Carnet de Passage is a customs document which allows drivers to temporarily import a vehicle into a country. i.e drive through a country.The personal tourist vehicle Carnet system is administered by the  Alliance Internationale de Tourisme in Switzerland. The Carnet document shows Customs officials that the vehicle owner has  posted a bond at least equal to the vehicle import duty of their country, and assures that the vehicle will be re-exported to its country of origin. The Automobile Associations of most countries can also arrange a CDP for vehicles registered in their country.

The following countries require a Carnet de Passage to temporarily import a vehicle (though be aware that rules change often so before planning a trip, get definitive advice from the embassies of the countries you plan to travel through)-

Africa

Burundi
Cameroon
Central African Republic
Chad
Democratic Republic of the Congo
Djibouti
Egypt
Ethiopia
Ghana
Guinea-Bissau
Kenya
Lesotho
Libya
Nigeria
Rwanda
Senegal
Sudan
Swaziland
Uganda

Asia / Middle East

Bangladesh
India
Iran
Japan
Jordan
Kuwait
Nepal
Oman
Pakistan
Qatar
Singapore (except for Peninsular Malaysia-registered and Thai registered vehicles)
Sri Lanka
Syria
United Arab Emirates

Oceania

Australia
Indonesia
New Zealand

South America

Argentina
Bolivia
Chile
Colombia
Ecuador
Paraguay
Peru
Venezuela

Get your car ready to drive abroad –

Unlike renting a car, where the rental company will ensure your vehicle is equipped to drive in that region, you will need to take responsibility for this yourself and check out the legal requirements and any other considerations of driving in the country you’ll be visiting. This may include –

An international code sticker denoting the country your car is registered in.

Adjustments relating to driving on the wrong side of the road if that applies- eg adjusting the beam of your headlights so as not to dazzle oncoming drivers and fitting additional or changing existing mirroe positions.

Ensuring you carry everything you need legally – in many countries you need to carry a red warning triangle and high visibility vests for all passengers. In France you also need to carry a breathalyser.

In many European countries its illegal to carry speed camera detection devices.

Snow tyres are compulsory in some countries in winter.

Some other points to consider –

Risk protection coverage is advisable in certain countries. This is for unusual incidents that can arise out of the level of lawlessness in certain countries. If you will be in one of these more dangerous countries it is advisable for you to purchase additional auto-related policies in case of things like kidnapping or extortion.Also, you will notice that many international car insurance policies have a provision for something called a “standard war exclusion”. This means that in case of war, the insurance provider can withhold payment to you.

Some policies will only cover your vehicle whilst you’re also in the country. Therefore if you take your car abroad, for instance for work, then fly home for a visit, leaving your car abroad, you should check it will be covered for the period you’re in a different country.

Check that your policy includes add-on coverage such as cover for towing and recovery as some won’t.

Check small print when selecting an international policy. Some policies, and some countries, require local adjusters/assessors if they have no agreement with local insurance companies and this can incur additional time and cost to settle a claim.

Ensure you have medical cover and that your policy includes cover for third party claims against you. In some countries its the law that accident victims are compensated and if you’re unable to fund this you could find yourself imprisoned until compensation is paid.

Ensure your policy protects you against currency fluctuations in countries which have volatile currencies.

Finally, if you’re considering an extended trip to more remote parts of the globe, you should think about how easy it will be to get your vehicle repaired if it breaks down or is involved in an accident. Mechanics in the developing world are ingenious with older vehicles and can usually get an old banger back on the road. Faced with a modern vehicle with computerised operating systems and diagnostics, they’re likely to be left scratching their heads. Check out whether spare parts are likely to be readily available for your vehicle too. Try a main dealer for your vehicle manufacturer and ask them if they have distribution networks in the area you’ll be visiting.

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2 comments

  1. stan hannath December 9, 2012 at 3:51 am

    Do you know if there are VW dealers in Tanzania,Kenya,Uganda,Rwanda,Ethiopia ?

    Log in to Reply
    • Driver Abroad December 9, 2012 at 4:03 pm

      South Africa looks the nearest approved dealer, though I’m sure you’d find local garages dealing in VWs
      http://en.volkswagen.com/en/company/country-selector.html

      Log in to Reply

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Yes, you can pay by monthly instalments. We'll ask for an initial payment by debit or credit card and the rest of your payment will be made in 11 monthly instalments. Credit will be provided by Automobile Association Insurance Services Limited, and you must be over 18.

How secure is my online payment?

We keep your personal details and your credit or debit card information private and secure when you buy online. We do this by using secure server software that encrypts any information you give us. It takes the characters you enter and converts them into a secret code, which is then securely sent to us.

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My policy documents

How can I access my policy documents online?

Your policy documents are in your My AA account. See the My AA help page for advice on how to access them.

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Using the car

Can I drive abroad with my car insurance?

AA Car Insurance provides the same cover you get in the UK in any EU country for up to 90 days in a year. So as a comprehensive policyholder, you have comprehensive cover when you drive within the EU.

Depending on your insurer, and for an additional premium, you may be able to extend the 90-day period, and be insured in countries outside the EU.

Am I covered for towing caravans or trailers?

When towing a caravan or trailer, you are covered for the costs you are liable to pay if you cause damage to property, or injury or death to someone.

Your car insurance also covers a single-axle trailer, worth up to £500 and kept in a safe and roadworthy condition, while attached to your car. For example, if you have comprehensive insurance, your trailer will also be covered on a comprehensive basis, which includes accidental damage, fire and theft.

When do I need to select business use?

Select business use when you use your car to travel to various places in connection with your work, such as offices or factories. Business use is not required when you travel to a single permanent place of work.

If I do voluntary work, do I need to select business use?

When you only commute to and from one permanent place of voluntary work, then select 'Social, Domestic, Pleasure & Commuting' for the use of your car.

If you travel to more than one place of voluntary work, our panel of insurers has agreed that 'Social, Domestic, Pleasure & Commuting' is also sufficient cover and should be selected.

But if you transport goods or people as part of your voluntary work, then please call 0800 197 7178 for a quote.

Please note, we do not charge an administration fee if you call us to update your policy to show you now do voluntary work.

Our panel of insurers operates under the statement below, issued on the Association of British Insurers website.

"The insurer will insure their policyholders to carry out voluntary driving, that is, the use of a vehicle they own in connection with, or for the benefit of, charities, voluntary organisations, clubs or societies, where payment does not exceed the HMRC mileage rates in force at that time. This does not cover use for hire or reward or vehicles owned by, hired to or lent to the voluntary organisation."

Can I drive other cars?

Yes, our comprehensive policy allows you to drive other vehicles with third-party cover, unless it's specifically excluded by your insurer. If this is excluded, we'll state this when you get a quote. If you've already bought car insurance from us, check your certificate of motor insurance. There are conditions that apply to this benefit, so please view our Car Insurance Policy Booklet for more details.

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The policy excess

What is a policy excess?

An excess is the part of the costs of a claim for loss or damage to your car that you have to pay out of your own pocket. Your insurance will be cheaper if you agree to pay more of these costs yourself. There are two types of policy excess:

Compulsory excess – the insurer will decide how much you'll be asked to pay for each claim before you buy the motor insurance policy. Check that you are comfortable with how much you'll have to pay for each claim before you buy a car insurance policy.

Voluntary excess – the amount you'd be prepared to pay on top of the compulsory amount. The higher you go, the lower your premium.

Can I pay a voluntary excess?

Yes, you can pay a higher voluntary excess for when you make a claim, usually up to £500. Typically, you pay less for your car insurance if you select a higher voluntary excess.

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No-claims discount

What is a no-claims discount?

A no-claims discount is a reward for not making a claim on your motor insurance policy. If you do make a claim, your discount will normally be less at the next renewal if your insurance company cannot get their money back from the person responsible.

Where can I find proof of my no-claims discount?

The renewal or cancellation notice from your previous insurer will contain proof of your no-claims discount.

Can I protect my no-claims discount?

Yes, you can pay an additional premium to protect your no claims discount. Depending on your insurer, you can usually make two 'fault' claims in a 3- or 5-year period without affecting your no claims discount.

What is the AA Uninsured Driver Promise?

If you make a claim following an accident that is not your fault, and the driver of the other vehicle is not insured, you will not lose your no-claims discount or have to pay any excess.

We just ask you to tell us the other vehicle's make, model and valid registration number, so that we can identify the driver of the other vehicle.

Can a named driver earn no claims discount on my policy?

Yes, named drivers over 25 years can earn their own no claims discount to use on an AA policy in the future. See our page about named drivers.

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Security devices

What is a Thatcham security device?

The Motor Insurance Repair Research Centre tests car security products for insurers. It's better known as 'Thatcham' after the Berkshire town where it's based. Most insurers like these products and give you discounts if you get them for your car.

What is a tracking device?

The police can track a stolen car with an electronic signal sent by this bit of kit hidden in the car. Most cars that have this are found after they are stolen. You can pay up to 10% less for your motor insurance if your car has a tracking device.

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Making a claim

How do I make a car insurance claim?

Call our 24-hour claim line 0800 269 622.

Before you call, please see how to make a motor insurance claim.

Is a courtesy car included on my policy?

Yes, a courtesy car is available with comprehensive cover. Following an accident, you will be provided with another car while yours is undergoing repair.

When you buy comprehensive cover direct from us, you also get a courtesy car for a total loss claim, where the vehicle is written off or stolen and unrecovered, or for accidents occurring outside the UK.

Is windscreen cover included on my policy?

If you have comprehensive cover, then windscreen cover is included. We cover the windscreen, sunroof and the remaining windows. And your no claims discount is not affected by a windscreen claim.

A windscreen replacement is subject to the applicable excess, but there is no excess to pay on a windscreen repair.

You can check your windscreen replacement excess when you get a quote online. On the quote page a summary of your details includes a link to 'Excess details / policy terms'.

How can I get my windscreen repaired?

Call our 24-hour claim line 0800 269 622 and select option 2.

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Changing your cover

What information is needed to advise a change of vehicle?

Please call 0800 316 1193 and select option 1 to make any change to your policy.

If you have changed your vehicle, we'll need the same type of details as you provided for the previous model, such as registration number, market value and any modifications.

Can vehicles be added temporarily?

Usually yes – call us on 0800 316 1193 and ask to add a temporary additional vehicle (TAV). We'll need to know all the details of the model.

Allowing a TAV is subject to the current insurer accepting the risk. Test drives are not covered.

You can add a TAV from 1 day to 4 weeks, and a cover note will be issued.

We cannot offer insurance where a policy is already in place for the vehicle.

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