International vehicle insurance question

alanymarce

Well-known member
in most of the world it's possible to acquire minimum (3rd party) insurance as you enter each country. If you don't have cover as noted below, then you have to acquire this. As others have said, a lot of overlanders take out this minimum required and seek to avoid accidents.

Our experience is that it's possible to travel in some areas and be covered by your insurance in the country of registration, and that it's possible to get insurance for other areas which make sense to obtain, for example:

1) For the Comunidad Andino - insurance in one member country covers everywhere in the community
2) For Mercosur - insurance in one member country covers everywhere in the community; Chile is not in Mercosur but the insurance can include Chile (and vice versa).
3) In Europe, if your vehicle is insured in the UK (for example) you're covered for the EU, EAA, and a number of other European countries, at least until the end of this year. After that it may be necessary to take out a Green Card insurance. Similar reciprocity applies for members of the agreement.
4) In COMESA insurance (theoretically) covers all member countries, however note that this is minimum (3rd party) only, AND some countries which are signatory to COMESA do not respect the agreement and you end up having to take out local insurance.

We've travelled as follows:

In Comunidad Andino our home insurance covers us; in Mercosur we bought insurance prior to arriving; in COMESA we bought COMESA insurance (3rd party only); in Australia we bought CTP (compulsory third party) from Queensland, and this covers us for all states, NT, and ACP. Everywhere else we've bought the mandatory minimum at borders. In Europe we've travelled under the regional coverage agreement (haven't yet travelled in Europe with a non-European-registered vehicle). A long time ago, I travelled in Europe with a Green Card...
 

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