Car Insurance for International Drivers

International drivers have two different interpretations, which also play a role in the insurance. The first one is a driver who has an international driving license, and the second one is a driver whom drive to other countries within a continent.

Car Insurance with International License
If you are staying in a foreign country for a long time, the circumstances change in comparison to visiting the country for a short period of time. A new driver that is staying in a foreign country for a long time could only get insurance as a new customer. This means there will not be any driving records or anything that could make you an existing customer. For the insurance company to assess your policies and make a quote, they need a driving record or a local credit history. But, as new person in the country, it is possible that the insurance company lack such information. For that reason, it is most likely that the insurance company would consider you as a new driver, who lack records that can be used to base the premium on.

This is usually translated to the insurance quote being of higher rates and there will be surcharges for both you and your family, in comparison to being a citizen of the country with identical background. However, there are also other insurance companies that will treat you differently. These are companies that will treat and rates the insurance quote that are completely based on the experience you gain from the home country.

If you are visiting the country for a short period of time, then you will most likely get rental automobile and get insurance that comes with it. The company you rent the car from has signed policies with an insurance company, and you would be given the opportunity to add the insurance to your car rental agreement.

Car Insurance: Driving from Country to Country
The drivers whom drive from one country to another are usually assessed by the insurance company. If you already have a car insurance policy, then it might not be necessary for you to buy a new insurance policy. Many insurance companies offer international policy for the policy holder. This means that the policy holder can travel within countries for a short period of time. If you already have an insurance for your car, then it is best to ask the insurance company about if the insurance would cover you in the country you are driving to.

When you don’t have any insurance, then it is recommended that you do check with a prospective insurance company how their policy works, when you are in another country. This is in the event that you do know which country you are going to. In most international insurance policy, there will be clarification about which countries the policy will cover. It could be a continent like EU, US, Asia or Africa. The time the insurance is valid in a continent to another varies.

The international drivers can benefit from insurance that they already have for local usage. But, they should ask their insurance company to know, before they leave the country.

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