{"id":188518,"date":"2019-04-29T15:37:54","date_gmt":"2019-04-29T14:37:54","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=188518"},"modified":"2026-02-17T15:44:17","modified_gmt":"2026-02-17T15:44:17","slug":"short-term-european-car-insurance","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/temporary-car-insurance\/short-term-european-car-insurance","title":{"rendered":"Short term European car insurance"},"content":{"rendered":"<p>Each year, millions of Brits drive to Europe for their holidays. If you\u2019re planning on hitting the continental roads, this guide will walk you through getting extra temporary European car insurance cover for anyone who\u2019ll be borrowing or sharing a car on their trip.<\/p><h3>What is short term european car insurance?<\/h3><p>Short term European car insurance is a type of time-limited cover that insures you on a vehicle for periods between 1 and 28 days while driving in Europe. Due to growing demand, some providers also offer short-term cover for anything from a few hours to several months.<\/p><p>This flexible policy is ideal if you\u2019re borrowing a car, sharing a long drive across Europe, picking up a new car, or switching annual policies. It is not a substitute for a regular annual premium if you frequently drive the same car.<\/p><p>During the pandemic, people have typically been driving fewer miles, so more consumers have been considering options like temporary cover and <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/pay-as-you-go-car-insurance\">pay-as-you-go policies<\/a> as an alternative to <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\">traditional car insurance<\/a>.<\/p><div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"><\/circle>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">Short Term European Car Insurance Jargon Explained<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            <p><strong>Excess:<\/strong> As with regular car insurance, short term European cover typically includes an excess amount. This is the minimum amount you have to pay towards a claim before your insurance company pays the remaining amount.<br><strong>EU cover:<\/strong> This is an optional extra you can add to your short term policy to cover you while driving in Europe.<\/p>\n        <\/div>\n    <\/div>\n<\/div>\n<h3>Can I use my existing UK car insurance policy to drive in Europe?<\/h3><p>Yes. Your UK car insurance policy will typically give you <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/third-party-car-insurance\">third-party protection<\/a> abroad. However, check with your insurer as the coverage level might differ, and you may need to pay extra for comprehensive cover while driving in Europe.<\/p><h3 id=\"temporary\">Who is short term European car insurance for?<\/h3><p>You\u2019ll want temporary European cover if you\u2019re not covered on the car you\u2019re planning to explore Europe with.<\/p><ul><li>Sharing the driving with a friend or family member using their car.<\/li><li>Borrowing a car for your trip abroad.<\/li><li>Using a car declared off the road in the UK through a <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/how-to-sorn-a-car\">SORN<\/a>.<\/li><\/ul><h3 id=\"howitworks\">How does temporary car insurance for Europe work?<\/h3><p>Temporary European car insurance is an affordable way to get covered for a few days or weeks while driving around the continent.<\/p><ul><li><strong>Short term:<\/strong> Cover ranges from 1 hour to 28 days.<\/li><li><strong>No claims:<\/strong> A friend\u2019s <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/no-claims-bonus\">no claims discount<\/a> remains unaffected.<\/li><li><strong>Higher excess:<\/strong> Young drivers may need to agree to a high excess.<\/li><li><strong>No breakdown cover:<\/strong> Separate European breakdown cover is often required.<\/li><li><strong>UK start and finish:<\/strong> Policies may require starting and ending the trip in the UK.<\/li><\/ul><h3 id=\"countries\">Which countries are covered by temporary European car insurance?<\/h3><p>Short term car insurance policies cover all EU countries, as well as Gibraltar, Iceland, Liechtenstein, Monaco, Norway, San Marino, Switzerland, and Andorra.<\/p><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 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0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#212121\"><\/path>\n      <\/g>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: How can I get the best short-term European car insurance?<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"Short-term European car insurance can be a bit tricky, as it varies widely depending on the country and your specific needs. The coverage and cost will depend on factors such as the duration of your stay, the type of vehicle, and any additional coverage options you may require.<\/p><p>To ensure you get the best deal and adequate coverage, compare quotes from multiple providers, review the terms carefully, and consider any additional coverage options that might be necessary for your trip. Be proactive in understanding what is covered and any exclusions that might apply.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Danny Butler's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/DannyButlerF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/DannyButlerF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/DannyButlerF1_Finder_600x600.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/DannyButlerF1_Finder_600x600.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" 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  <path d=\"M216.34 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93ZM105.92 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#212121\"><\/path>\n      <\/g>\n    <\/svg>\n  <\/div>\n<\/div>\n                                                    <\/div>\n                                        <div class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/dannybutler\" itemprop=\"url\" target=\"_blank\">\n                                Danny Butler\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Publisher<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>What is a car insurance green card?<\/h3><p><a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-green-cards\">A car insurance green card<\/a> is an internationally recognized document that serves as proof of your car insurance coverage when driving outside of your home country. It is particularly important for verifying that your insurance meets the legal requirements of the country you are visiting. Although the green card is not currently required for EU member states due to the UK\u2019s agreements, it might become necessary again if the UK leaves the EU without a deal or in the event of regulatory changes. The green card acts as an essential piece of documentation to avoid any legal issues or complications while driving abroad.<\/p><h3>Can I drive in Europe after Brexit?<\/h3><p>Yes, you can still drive in Europe after Brexit, but there are some changes you need to be aware of. According to the Association of British Insurers, UK drivers will be able to continue driving in European countries. However, in the event of a no-deal Brexit, you will likely need a green card to prove that you have adequate insurance coverage. <\/p><p>This document ensures that your car insurance meets the minimum legal requirements of the country you are driving in, helping you avoid potential fines or complications during your travels.<\/p><h3>How do I get a green card?<\/h3><p>To obtain a green card, you should request one from your car insurance provider well in advance of your trip\u2014ideally at least a month before you travel. This lead time allows your insurer to prepare the document and address any administrative procedures. <\/p><p>Keep in mind that some insurers might charge an administration fee for issuing the green card. It\u2019s also a good idea to confirm that your green card covers all the countries you plan to visit, as coverage can vary.<\/p><h3>Which countries are part of the green card system?<\/h3><p>The Green Card Scheme covers all 28 EU member states, as well as 19 additional countries outside of the EU. These include Albania, Belarus, and Turkey, among others. The scheme is designed to ensure that drivers have proof of insurance that meets the legal requirements across a wide range of countries. <\/p><p>When planning your trip, make sure to check the list of countries included in the Green Card Scheme to ensure that you are compliant with insurance requirements for all the destinations on your itinerary.<\/p><h3 id=\"proscons\">Pros and Cons of short term European car insurance<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Flexible coverage from 1 hour to 28 days<\/li>\n                                    <li>Protects a friend's no claims discount<\/li>\n                                    <li>Convenient for short trips<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Higher daily cost compared to annual policies<\/li>\n                                    <li>High excess for young drivers<\/li>\n                                    <li>Breakdown cover often not included<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3 id=\"bottomline\">Bottom line<\/h3><p>While your UK car insurance policy may cover you to drive in Europe, check the coverage level and any additional costs. A short term European car insurance policy may be necessary for flexibility and comprehensive protection.<\/p><h3 id=\"faqs\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Do I need temporary European car insurance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">If your existing policy doesn\u2019t fully cover you or if you\u2019re borrowing a car, temporary European car insurance is advisable.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How do I apply for short term European car insurance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Apply online or contact your insurer. Provide details about yourself, the vehicle, and the coverage period needed.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Is breakdown cover included in temporary European car insurance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Usually, it\u2019s not included. Consider purchasing standalone European breakdown cover.<\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms \"best\", \"top\", \"cheap\" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">subject to our terms of use<\/a>. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Planning on travelling abroad? Check out our guide and find out more about getting short term car insurance.<\/p>\n","protected":false},"author":680,"featured_media":191253,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Short term European car insurance","_yoast_wpseo_title":"Short term European car insurance | Finder UK","_yoast_wpseo_metadesc":"Planning on travelling abroad? 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