Insurance Conundrum

Old Jan 3rd 2017, 2:45 pm
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Default Insurance Conundrum

Hi all,

I have found similair questions asked but nothing of this exact nature.

I am a UK citizen, currently living in the Netherlands. I have a car, which is registered and kept in the UK.

I need to insure myself, and a Swiss national living in the Netherands to drive this car around about 10 countries (all in the EU).

So the question is:
Is it possible to insure this car in Holland (as we are both Dutch residents)? Or am i better trying to find some specialist insurance in the UK which can cover us both.

Any advise would be greatly appreciated.

R.W.
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Old Jan 3rd 2017, 3:11 pm
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Default Re: Insurance Conundrum

If you're resident in both the UK and the Netherlands (dual residence), you need a UK insurer who can provide you with an "annual green card". (Technically this may not be absolutely necessary, but it makes life easier.)

If you're only resident in the Netherlands (and you're not a student), you must re-register the car with the Dutch authorities:

europa.eu/youreurope/citizens/vehicles/registration/taxes/netherlands/index_en.htm
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Old Jan 3rd 2017, 3:16 pm
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Default Re: Insurance Conundrum

Originally Posted by Hackett
Hi all,

I have found similair questions asked but nothing of this exact nature.

I am a UK citizen, currently living in the Netherlands. I have a car, which is registered and kept in the UK.

I need to insure myself, and a Swiss national living in the Netherands to drive this car around about 10 countries (all in the EU).

So the question is:
Is it possible to insure this car in Holland (as we are both Dutch residents)? Or am i better trying to find some specialist insurance in the UK which can cover us both.

Any advise would be greatly appreciated.

R.W.
A poster in the Germany forum recently supplied this link https://www.stuartcollins.com/quote.php I checked it out and it is legit. That would be more straightforward than trying to insure a UK reg in Holland.
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Old Jan 3rd 2017, 3:29 pm
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Default Re: Insurance Conundrum

Originally Posted by Watchpost
If you're resident in both the UK and the Netherlands (dual residence), you need a UK insurer who can provide you with an "annual green card". (Technically this may not be absolutely necessary, but it makes life easier.)

If you're only resident in the Netherlands (and you're not a student), you must re-register the car with the Dutch authorities:

europa.eu/youreurope/citizens/vehicles/registration/taxes/netherlands/index_en.htm
Hi,
Thank you for the response, I am a student. However that's good to know.
I should also of probably mentioned i only need to be covered for a month. I will probably do this by suspending my existing policy, opting to pay monthly then cancelling the policy after one month has elapsed.

R.W.
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Old Jan 3rd 2017, 4:48 pm
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Default Re: Insurance Conundrum

It's a UK registered vehicle and as such must be insured in UK. Be prepared to pay a high premium for the second driver due to not being a UK driver or resident.

See also the details mentioned in that link. Many people fall foul of this rule and end up paying hefty fines!

***
(If you change your country of residence to the Netherlands, you have 6-8 weeks to re-register a vehicle previously registered in another EU country – counted from the date you are registered as a person in the Netherlands and have requested a vrijstelling verhuisgoed Nederlands for your car. If you do not have this "vrijstelling" you will have to register your car the day you are registered as a person in the Netherlands.

To re-register a vehicle previously registered in another EU country, go to the RDW Nederlands .)
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Old Jan 4th 2017, 12:20 pm
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Default Re: Insurance Conundrum

If you're a student registered as such in NL but normally resident in the UK, you should by my understanding then be in the same position as a normal UK resident seeking to drive around Europe for 30 days on holiday. Have you asked your existing insurer whether such cover is either provided in your existing policy, or can be added at additional (but probably minor) cost?

To my mind, suspending your policy for a month is unnecessarily complicated. UK residents don't normally have to do that just to take their car abroad on holiday.
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Old Jan 4th 2017, 8:16 pm
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Default Re: Insurance Conundrum

When we moved over here, our insurance company told us we had 90 days of EU driving. That was many years ago, however, so might not be up-to-date info. But check with your current insurers. Are you maintaining a UK address, so could be classed as a temporary resident here?

If not, and if you're a student, I'd take the car back to the UK. Are you here temporarily (Erasmus student?) or for a full degree? If the latter, have you looked into getting your free all-transport-all-over travel pass? If the former, pack your sightseeing into the first month or so

From experience, the Dutch won't touch you unless you have a car with Dutch plates on it. As for the Swiss friend, I very much doubt they'd have much hope of being temporarily insured on your car in any circumstance (unless you're incredibly stinking rich? and I get the impression that isn't the case or you'd buy a cheap dutch run-around and save yourself the hassle)
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