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Originally Posted by daffodil
|daffodil||I live in france and all the people who are driving uk reg cars in france after 6 months are ILLEGAL, yes the insurers insure you but they assume you will re register the car and its up to you to do so but if you have a bang you are NOT INSURED, it happened to a friend of mine, and that is why if I ever have a prang with anybody on Uk plates they aint going anywhere until the Gendarmes get there, this is a very grey area and so called experts are talking rubbish and people listen to them because its easier to go along with the lies. The French police are now starting to really tighten up on this they can also tell how long you have been here because of vehicle number recognition which automatically scans all vehicles going through borders (ferries tunnels etc)|
In the unlikely event that anyone still interested in how I got on with arranging full comp insurance for a Croatian registered MH , I did finally get an offer and with no other options I had to take it . Cost me about GBP 650 plus about GBP 250 for the basic 3rd party insurance . Unfortunately it still has gaps compared to the MH Policies I see on this and ADAC site and has absolutely no breakdown cover but what can I do ? I now have a flakey policy which at least covers me against theft and total loss , so this is something ! But other basic MH damages eg water are not covered . As we say here , step by step .
Perhaps the Gods are looking down on me (favorably !) .... just a few minutes after sending my last post , I got an email from the Cro insurance company which provides me with the 3rd party cover .
They say that they would be prepared to 'look at and consider' a proposed policy that meets the special risks of MH . They clearly state that this is only an offer for them to consider my needs , but basically seems that they are asking me to put together my own FULLY COMP policy and send it to them to look at .
This is my first MH , so I don't have a policy to guide me . But in any case , I am thinking that my risks would be the following (in no order of priority) ....
Damage to the MH from accident .
Explosion from gas bottles .
Fire on board .
Theft of MH .
Theft of personal items from MH .
Water leaking from internal pipes ?
Would be grateful if anyone can let me know if I missed something please .
Not sure what my chances are of the insurer accepting everything on my wish list , but have to try !
Yes thieawin , you are right but even with best intentions to comply with residency laws , there can be some surprises with seemingly illogical restrictions .
Another poster already mentioned that some countries will not allow importation/registration of RHD vehicles .
And in my case , before emigrating I actually bought LHD vehicle in the UK with intention to legalise it in Croatia , only to find out that they would not allow this for vehicles more than seven years old - it was a few months older than 7 years , low mileage , perfect condition but it would not even be accepted for technical inspection because the rule says 7 years , no further discussion .
Yes , I should have thoroughly checked everything beforehand , assume nothing !
I expect that there were/are other similar impractical restrictions facing expats in other EU countries , harmonisation of rules is far from complete . In the meantime , you do your best .
Anyhow , that is all history for me now .
End of story is that I am legal with minimum insurance .
Isn't break down cover available separately to insurance? I know RAC won't cover a foreign registered car, but seeminglybADAC will.
The insurance is more difficult. I don't know the answer.
Incidentally if you remove a vehicle from the UK permanently ( 12 months) you are supposed to cancel registration. So when you originally went to Croatia to live there were two things.
1. The 6 months rule didn't apply, it only applies to temporary residents temporarily importing. You needed to register immediately
2. You were required to cancel here.
The fact is pragmatically people don't. They hope for best, downside is that if you are caught the vehicle can be impounded and import duties and taxes charged, although that may not be an issue with a personal vehicle, not new, within the EU
I keep an IOM registered car in Spain. We have no MOT in IOM so no need to come back annually. It's locked away off road when not there. My UK insurer is fine about granting fully comp insurance even though garaged/kept in Spain. I've made full declarations in writing, so they've no wriggle room.
You are never without cover. Even if your insurer tries to avoid they are required to pay out to any third party claimant under uninsured driver agreements, which are an EU requirement. Of course they may then chase you. About 10% of your premiums EU wide go to pay out victims of uninsured/avoided/cancelled policy drivers
Many thanks to all for raising some interesting points from my original post and giving me a few leads .
I do also have experience with the 6 month dilemma .... I arrived in Croatia to live back in 2000 and at that time I brought a UK registered car . Most Brit expats who are permanently resident in another country are aware of their peculiar legal requirements after six months residency , we try to find ways to comply as far as is practical and hope for the best .
Croatia is no different and for a few years I kept the UK vehicle over here and was indeed able to get it reinsured (but only 3rd party) every six months . As The Nomad said , there is always a company willing to take your money and issue a certificate (but will they pay out ??) .
I was not comfortable with this arrangement and after a couple of years I got rid of the vehicle and bought a kosher Cro registered vehicle , Cro insurance etc .
Driving around long-term with a UK vehicle was not a good solution for me . Legally , I was/am a permanent resident of Croatia , but aside from wanting to keep legal , a major worry was regarding what could happen in case of a big insurance claim e.g. involving liability from injury (or worse) Ė you can be sure that the company who so easily took the money for so long and who so easily gave out certificates will be looking for a way to escape a massive payout . In my mind , there is no doubt that in such a case the insurers will point to the owners status and responsibility , make the claim void .
And by recently buying a Cro-legal MH , I gave myself another problem ! - it has 3rd party insurance , but can't get any full-comp or MH-specific insurance because there is no market for that here !
Still waiting to hear back from ADAC , I had hoped that they were my last chance but after considering thieawin's good explanation , seems that I won't be able to crack this one . Will be more than a bit of a worry touring around Europe without any breakdown cover or MH insurance .
Originally Posted by alhod
Wonder what the Spanish will say when the tax disc disappears next year and it all goes on line!
I agree this whole area is a morass of contradictions and anomalies - perhaps it will all become clear when the entire EU is administered on a central basis from Brussels and all countries have the same rules.
Hey - there goes another one - pig, flying across the sky
The 6 month temporary importation regulation isn't EU its UN/Worldwide under the Vienna Convention for International Circulation. It allows temporary importation of a foreign registered vehicle by a foreign resident without paying taxes and import duties as long as the vehicle is legally registered, taxed and road compliant in the home country.
Lets not confuse legalities over importation with questions over insurance purchasing.
Likewise the ITV, MOT, CT is irrelevant to the foreign country, as long as its road legal on the day you are stopped. Also whilst the French may do a CT on a UK vehicle, and the Spanish and ITV (although the rules say they can't some ITV stations are flexible) it has no meaning because it isn't recognised back in UK for MOT for tax and insurance
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