Driving Abroad: Are You Covered?
If you are planning to drive during a trip out of the U.S., it is important to look into the local laws to determine whether or not your car insurance policy will provide you with any coverage. In many cases, a U.S. policy is not going to be transferable to a vehicle that you drive abroad. In other words, it is necessary to purchase a temporary insurance policy in order to remain compliant with all of the local laws of the country that you are visiting.
Visiting a Neighboring Country
American drivers who are planning to drive their own vehicle into Canada should be covered for any basic issues, but it is a good idea to check into the local laws for each province that you will be traveling through to ensure that your policy covers all of the necessary guidelines.
On the other hand, if you are going to Mexico, you are going to need to buy a temporary policy from a company that has been authorized to sell insurance by the Mexican government. Failure to obtain a proper policy before you cross the border can cause you to spend time in jail, so make sure that you do not leave for your trip without buying Mexican car insurance.
Traveling around the U.K.
If you are planning to go to the U.K., you will need to do more than simply learn how to drive on the opposite side of the road. Your U.S. car insurance is not going to be sufficient coverage for your rental car, so it will be necessary to buy a temporary policy. However, insurance providers in the U.K. offer a wide variety of options, so you should visit reputable insurance quote sites like www.monkey.co.uk to check rates for your correct amount of coverage.
For example, most drivers in the U.K. get a policy that insures them to drive a specific vehicle. In other words, the driver is the one who is actually insured instead of their automobile. If you have a traveling companion who will be doing some of the driving, you will need to disclose this information in advance to avoid legal difficulties later. After all, if the other driver is not properly insured and they get into an accident, they could end up dealing with a long list of issues such as large fines and jail time.
Getting the Best Insurance Rates
Whether you are looking for insurance locally or for a trip overseas, it is always a good idea to start your search on the Internet. You can utilize an insurance quote website to gather unbiased reviews and prices from several companies that offer temporary policies for tourists.
Regardless of which country you are planning to visit, you should always determine in advance if your American car insurance policy is sufficient to meet all of that country’s laws. If it is not, it is up to you to make sure that you take the proper steps to become compliant.
Shelby Warden is a researcher who offers this information to help foreign travelers enjoy their vacation without incident. Frugal drivers turn to www.monkey.co.uk to find the best deals on insurance from some of the leading car insurance providers of the UK. For every car insurance policy taken out through their site, Monkey™ donates £10 to the driver’s favorite charity.