Whenever you are going to be driving abroad, it is important to make sure you have the proper insurance coverage. Sometimes, your current insurance policy will not cover you for long periods of driving abroad. Often times, there are restrictions on the number of days that you can drive in another country. However, it definitely depends on the insurance company that you have. Whenever you are going traveling with your vehicle, you should always call your insurance company first. They will be able to tell you exactly what coverage you have and whether you need to add anything to your policy to have proper coverage.

Can I Drive Abroad with My Regular Insurance?

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No, you cannot drive abroad with your regular insurance policy. A regular insurance policy allows you to be able to drive inside Canada and the USA. However, if you want to be able to drive in other countries, you need to make sure that you have more insurance coverage. Even when you are using your insurance in the USA, insurance companies want to know when you will be spending more than 30 days of the year in the USA. In the USA, there is an increased risk of a hefty lawsuit so if you’re going to be in the USA for more than 30 days of the year, you might have higher insurance premiums as a result.

Do I Need to Purchase Additional Insurance When Renting a Car?

It definitely does not hurt to purchase additional insurance when renting a car. No matter whether you are in Canada or driving in a different country, rental insurance doesn’t cover you for everything. In some circumstances, there can be clauses in rental company insurance policies that deny claims when an accident happens under certain circumstances. Should you drive on something like a gravel road and get into an accident, you might not get compensation. In order to avoid this, you might want to talk to your own insurance provider and get additional insurance to make sure that you are covered when you are renting a vehicle.

Is My Car Insurance Still Valid in Another Country?

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Your car insurance is still technically valid in another country. However, just having your license from Canada in another country does not mean that you can drive with it. You can often trade in your Canadian license for a license in the country that you move to. However, this isn’t always the case; some countries force their own driving systems upon everyone. Different countries have different rules and regulations regarding insurance and licensing, which you need to be aware of if you are moving or traveling there. Should you want to drive there, it is likely you’re going to need an international driver’s permit and additional car insurance to be able to legally drive in the other country. However, your car insurance back home should be valid once you get back so long as it hasn’t expired.

Do I Need to Notify My Insurance Company When I’m Travelling Abroad?

It is definitely a good idea to notify your insurance company when you’re traveling abroad. It is highly unlikely unless you are traveling to the United States, that you have insurance coverage. Even if you are traveling to the United States, you might want to add more insurance to your insurance policy. Accident settlements in the United States often result in very high insurance payouts. Due to this reason, you might want to consider adding more liability coverage to your insurance policy when traveling abroad. It is always best to inform your insurance company about what you are doing to make sure you are properly covered. Driving without insurance in a different country can land you some pretty substantial fines, which is something you should attempt to avoid.

What Does My Canadian Car Insurance Policy Cover Me For in the USA?

When you’re driving in the United States, if you rent a vehicle, to be able to have collision and comprehensive coverage, you need to pay for additional insurance. Your collision and comprehensive coverage will not transfer over to a rental vehicle. Other than that, if you drive your own car in the United States, you should have your regular liability, collision and comprehensive insurance coverage. The only way that you will be denied a claim is if you don’t properly inform your insurance company. When you expect to be in the United States for over 30 days you need to inform your insurance company or they might deny your claim.

Should I Get Additional Insurance Coverage to Travel Abroad?

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It is likely a very good idea to get additional insurance coverage when you’re traveling abroad. When you travel, it is unlikely you’ll have health insurance or automobile insurance in the country that you’re traveling to. You can pick up health and liability coverage fairly easily in Canada for going on trips. In fact, since you aren’t likely going to be staying for a long period of time, you can likely pick up this insurance for a pretty low price. Although you may never use insurance when you travel abroad, it is nice to have for some peace of mind. You don’t want to be hit with super large bills when you are on vacation.

To Conclude

Car insurance for traveling abroad can be complicated. There are different rules of the road depending on the country that you are moving or traveling to. Insurance can also be even more complicated depending on how long you are gone for. You need to make sure that you inform your insurance company about how long you expect to be gone. Should your situation change while you are away, you need to keep your insurance company informed about that as well. The more you keep in contact with your insurance company, the better off you are likely to be. That way, there will be no surprises if you have to make a claim on your insurance. You can be sure that you have coverage and you won’t have to worry about being denied a claim.

Resources:

https://ogilvy.ca/2016/09/27/car-insurance-driving-internationally/