 | Home > Finance & Insurance > not insured for theft in France? |
 
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| JOW240725 Member Since: 04 May 2015 Location: Suffolk Posts: 7907   
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Interesting to hear this, having taken our to France and Ireland, never occurred to check theft cover!
Might be worth speaking to forum sponsor A-Plan Thatcham office. James MY2012 110 2.2TDCi XS SW Orkney Grey - http://www.defender2.net/forum/topic43410.html MY1990 110 200TDi SW beautifully faded Portofino Red - https://www.defender2.net/forum/post743641.html#743641 MY1984 90 V8 Slate Grey - https://www.defender2.net/forum/post744557.html#744557 Instagram @suffolk_rovers |
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2nd May 2017 4:21pm |
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| Riverboy Member Since: 16 May 2016 Location: French sector, Earth Posts: 1288 
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I wouldn't worry. Theft is not a problem over here. They should be giving you a big discount for taking it somewhere safer for the summer
Best to check you're covered for fire damage though, in case of a passing riot  |
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2nd May 2017 4:45pm |
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| ericvv Member Since: 02 Jun 2011 Location: Near the Jet d'Eau Posts: 5816  
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Was surprised by Jonathan post, I thought that all European car insurance mandatory provide coverage in all EU countries for everything the insurance buyer takes as cover in his home country, but then I found this on the EU website:
Quote When you register a car in any EU country, you must insure it for third party liability. This compulsory insurance is valid in all other EU countries. It covers you if you have an accident causing damage to property or injury to anyone other than the driver. It doesn't cover other costs (e.g. the cost of repairs to your own vehicle). You can also take out additional, optional insurance, called first party liability, covering other risks. This insurance extends your cover (e.g. to injuries to the driver, damage to your vehicle, theft of your vehicle/its contents, vandalism, and legal assistance). There are no EU-wide rules on additional optional car insurance. Check the terms and conditions with your local insurer before you travel abroad. Insurers can apply different rules in each country. So your insurance could be limited by time (e.g. a month abroad) or by distance (e.g. 150km from the border of your home country), or might exclude some countries for some types of risk (such as theft). Unquote So much for taking things as a given, I clearly was wrong. Now, thinking further about this, if a UK insurance company is excluding Defender theft coverage from countries like France, what kind of theft coverage do they provide for the UK? 
Or maybe Defender theft is not a problem there because they think that you are protected by the boundaries of the island and cannot get them off that easily? 
Eric You never actually own a Defender. You merely look after it for the next generation. http://youtu.be/yVRlSsJwD0o https://youtu.be/vmPr3oTHndg https://www.youtube.com/watch?v=_GtzTT9Pdl0 https://www.youtube.com/watch?v=ABqKPz28e6A https://www.youtube.com/watch?v=rLZ49Jce_n0 https://www.youtube.com/watch?v=XvAsz_ilQYU https://www.youtube.com/watch?v=K8tMHiX9lSw https://m.youtube.com/watch?v=dxwjPuHIV7I https://vimeo.com/201482507 https://www.youtube.com/watch?v=ZSixqL0iyHw |
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2nd May 2017 5:22pm |
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| proloForêt Member Since: 16 Mar 2017 Location: Montereau Posts: 248  
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hello, I can confirm this is very true!
It is illegal in the EU (Brexit has not happened at the moment) for the insurance to say this thing to you! All insurance must include cover against  people taking your car regardless of country.
In France the Land rover is a target, but less than a target than when it is in UK. Please do not be afraid to come to France! léo |
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2nd May 2017 5:56pm |
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| ericvv Member Since: 02 Jun 2011 Location: Near the Jet d'Eau Posts: 5816
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Léo, you are only correct as far as the compulsory third party liability insurance is concerned.
Please re-read the quote in my above post which I took from an official EU-commission website. Optional insurance like theft, etc. does not have to apply EU wide, insurance companies are allowed to put restrictions. This was also a surprise to me, but hey, every day is a school day. 
Eric Et, Léo, puisqu'ici à Genève nous sommes vos plus proches voisins, nous visitons votre beau pays quasiment au quotidien, mais plus avec la VW de madame qu'avec mon Defender. Ce n'est pas que j'ai peur pour la Defender, mais je me sens quand même plus comfortable avec la Coccinelle outre frontière. You never actually own a Defender. You merely look after it for the next generation.
http://youtu.be/yVRlSsJwD0o https://youtu.be/vmPr3oTHndg https://www.youtube.com/watch?v=_GtzTT9Pdl0 https://www.youtube.com/watch?v=ABqKPz28e6A https://www.youtube.com/watch?v=rLZ49Jce_n0 https://www.youtube.com/watch?v=XvAsz_ilQYU https://www.youtube.com/watch?v=K8tMHiX9lSw https://m.youtube.com/watch?v=dxwjPuHIV7I https://vimeo.com/201482507 https://www.youtube.com/watch?v=ZSixqL0iyHw |
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2nd May 2017 6:27pm |
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| proloForêt Member Since: 16 Mar 2017 Location: Montereau Posts: 248
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Oui, mais/but in France the tier will include a theft because the règles (laws/rules/regulations????) in France insist then that them must so the EU law must adapt to the local no?
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2nd May 2017 7:12pm |
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| ericvv Member Since: 02 Jun 2011 Location: Near the Jet d'Eau Posts: 5816
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I don't think so. I don't know the fineties of french car insurance, but if other EU countries exclude France from their theft coverage (as EU rules clearly allow), France have nothing to say in all this.
Maybe Marine or Emmanuel will change that next week.
Eric You never actually own a Defender. You merely look after it for the next generation. http://youtu.be/yVRlSsJwD0o https://youtu.be/vmPr3oTHndg https://www.youtube.com/watch?v=_GtzTT9Pdl0 https://www.youtube.com/watch?v=ABqKPz28e6A https://www.youtube.com/watch?v=rLZ49Jce_n0 https://www.youtube.com/watch?v=XvAsz_ilQYU https://www.youtube.com/watch?v=K8tMHiX9lSw https://m.youtube.com/watch?v=dxwjPuHIV7I https://vimeo.com/201482507 https://www.youtube.com/watch?v=ZSixqL0iyHw |
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2nd May 2017 8:04pm |
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| Thon Member Since: 22 Nov 2015 Location: Salisbury Plain Posts: 696
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My UK insurance (LV) included compulsory 3rd party only cover for the EU. As I understand it this is the result of the EU legislation. However, as I wanted matching cover I upgraded it at a tiny cost as I am on mainland Europe until mid August. I don't know why your insurance company won't include France but I guess it is their prerogative to refuse cover where they see excessive risk. Try another insurer maybe?
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2nd May 2017 8:16pm |
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| Birdy Member Since: 07 Oct 2011 Location: Côte d'Azur Posts: 868 
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Depends of course on your insurance company.
For my Defender (with Saga), it’s a case of “we will provide the cover shown in your schedule”, i.e. fully comp. Peter |
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2nd May 2017 8:23pm |
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| boode Member Since: 11 Apr 2012 Location: Devon Posts: 430  
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Recently checked my insurance for cover while being shipped to Iceland - Fully comp insurance when I arrive
The policy only covers sea transport between British and Irish ports - no mention of cover if going to the continent Not sure if ferry companies will cover the insurance if they were to sink |
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2nd May 2017 9:30pm |
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