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07/05/2008, 14:11 BobDee Joined on 17/08/2005 Reaup Lisse 47 Posts 112 Suitable insurance for France and UK Asking this for a friend currently in the UK. She has a UK registered car taxed and MOT'd, owns a property in France and one in UK. She aims to spend about 5 months a year in UK and seven in France. Currently has french insurance but that only allows 30 days in UK. Anyone have any experience of a company UK or French that allows several months out of the country?      Report

07/05/2008, 14:27 Bob T Joined on 05/10/2006 Dordogne Posts 909 Re: Suitable insurance for France and UK If the car spends 7 months in France then should it not be French registered? Bob T 24 http://bikesindordogne.blogspot.com/    Report

07/05/2008, 14:44 BobDee Joined on 17/08/2005 Reaup Lisse 47 Posts 112 Re: Suitable insurance for France and UK Hi Bob Dont really want to start this topic all over again, but I think that if its fully UK taxed and MOT'd and the insurance company know all the facts, then it is legal. bobD     Report

07/05/2008, 14:57 powerdesal Joined on 07/01/2006 Sharjah U.A.E Posts 2,008 Re: Suitable insurance for France and UK I think you may find that the car in not necessarily the issue but....if your friend spends 7mths in France then she will be considered to be resident, ie more than 183 days. Such resident status will no doubt bring its own "issues". Steve Sharjah + 50 (in France) ........................................................................... Roll on death.....Demob is too far away.    Report

07/05/2008, 15:14 Tandem_Pilot Joined on 23/08/2004 Posts 239 Re: Suitable insurance for France and UK My car is insured via the "What Car?" website - courtesy of Liverpool Victoria and allows foreign use (within the EU) if the car is registered in the UK and "is not kept abroad for more than 180 consecutive days" Your interpretation of this may vary with the company's Regards Alex Milton Keynes and the Haute Vienne    Report

07/05/2008, 17:15 Benjamin Joined on 21/08/2005 Vendée South Posts 1,563 Re: Suitable insurance for France and UK  Tandem_Pilot wrote: "is not kept abroad for more than 180 consecutive days" Your interpretation of this may vary with the company's Not car insurance but medical insurance. Many years ago I found myself rushed into Nantes hospital. The first thing my  UK travel insurance provider asked for was proof of the date (in my case a copy of a ferry ticket) that I had entered France so I suppose if you weren't here permanently for more than the stated time limit you could " get away " with it. Make sure that you aren't invalidating your insurance. Benjamin Snips, snails and puppy dog tails    Report

07/05/2008, 17:35 nectarine Joined on 02/08/2007 London & Lot-et-Garonne Posts 177 Re: Suitable insurance for France and UK Saga insurance allows an unlimited amount of time out of the country, 364 days, as long as you are resident in the UK.  I suppose there's a technicality about whether your friend is UK or French resident but if she is stating that her French house is a holiday home then she could get Saga insurance for extensive European coverage.  I believe they are the onlly company that do this (and I asked around a lot!). If you look like your passport picture, then you probably need the holiday.    Report

07/05/2008, 18:11 ErnieY Joined on 05/12/2006 Nr Prayssac (Lot) Posts 2,938 Re: Suitable insurance for France and UK Loath as I am to resurrect what is a widely covered topic but this car is already illegal both in UK and France. Contrary to what many believe (and a great many practice) it's not a "pick-n-mix" choice, a vehicle must be fully road legal in the country where it is registered. Therefore, if it is to remain on UK plates, this means Tax & MOT and UK insurance, exactly as if it were being used in UK. The fact that it is temporarily in France for several month's of the year, or anywhere for that matter, does not negate that. There is another overriding problem though: Leaving aside all the above, plus the the additional issues which arise if your friend is considered Franch resident, and the (worthless) French insurance, the maximum period a car may remain in France before requiring to be re-registered is 6 month's so on that basis alone it will become illegal. As Nectarine says she could insure with with Saga although there are potential pitfalls to this. Alternatively the complete and proper solution would be to register the car in France and switch the insurance to another company which does not impose limits on foreign, i.e. UK, use. My doctor said one drink per day, I can live with that !    Report

07/05/2008, 19:15 Bob T Joined on 05/10/2006 Dordogne Posts 909 Re: Suitable insurance for France and UK  BobDee wrote: Hi Bob Dont really want to start this topic all over again, but I think that if its fully UK taxed and MOT'd and the insurance company know all the facts, then it is legal. bobD    Not the case if the French law says that a car must be registered here if it is here for more than 6 months. Insurance companies do not have a remit to make sure that drivers comply with the law. They do have a remit to take money and make a profit for the company. Bob T 24 http://bikesindordogne.blogspot.com/    Report

07/05/2008, 21:55 geoff Joined on 06/05/2008 france Posts 69 Re: Suitable insurance for France and UK  ErnieY wrote: Loath as I am to resurrect what is a widely covered topic but this car is already illegal both in UK and France. Contrary to what many believe (and a great many practice) it's not a "pick-n-mix" choice, a vehicle must be fully road legal in the country where it is registered. Therefore, if it is to remain on UK plates, this means Tax & MOT and UK insurance, exactly as if it were being used in UK. The fact that it is temporarily in France for several month's of the year, or anywhere for that matter, does not negate that. That is very true,   I know a Dutch couple that nearly lost there car ,after she was stopped for speeding,and told the police she had lived and been driveing on Dutch plates for ten years. So why take the chance G    Report

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