If you’re planning on taking a road trip abroad, you may benefit from added auto insurance coverage protection. Whether you’re flying to another county to rent a car and explore, or even if you’re driving across country borders, ensuring that your auto insurance policy protects you and your fellow companions from any auto-related damages and / or losses can help reassure for a much smoother ride!
Overseas Auto Insurance
As most standard insurance policies do not specifically include auto-related damages outside of the United States, opting for extra coverage is a highly recommended option for those who are planning to use a vehicle while visiting another country. Depending on your auto insurance provider, you may be able to add protection for travels abroad under your existing insurance policy. Or, if you’re simply planning for a once in a lifetime excursion, you should be able to easily purchase a short term auto policy for the duration of your travels. Typically referred to as “overseas insurance,” auto insurance for out of country excursions provides protection for items such as:
- Car / vehicle
- Motorcycle / motorized bike
- Personal property (specific exclusions may apply)
Detailed Overseas Auto Insurance Protection
While an overseas policy will protect your property and your vehicle, making specific adjustments to your policy features will allow you to enjoy extensive coverage benefits. Generally, experts suggest that individuals traveling abroad opt for auto insurance protection features such as:
- Liability
- Comprehensive coverage
- Collision coverage
- Repairs
- Bodily injury
- Theft
Additional Precautions
Before purchasing your overseas auto insurance protection, ask potential providers the following essential questions:
- Does the policy protect both yourself and other drivers (such as family members and friends)? If not, can family and / or friends be added to the policy?
- Does the policy protect against personal injury as well as injuries to others (both in the vehicle and in another vehicle)?
- What are the specific terms of property damage and / or theft? For example, if a bag is stolen from a vehicle, does the policy offer compensation?
- Are there any specific restrictions regarding the overseas use of a rental car vs. a borrowed / owned car?
