↓ Advertise on Defender2 ↓

Home > Finance & Insurance > not insured for theft in France?
Post Reply  Down to end
Page 1 of 1
Print this entire topic · 
Jonathan111



Member Since: 22 Jan 2015
Location: London
Posts: 67

United Kingdom 
not insured for theft in France?
Hey all, just found out my insurer won't cover my defender (110 1998) for theft when I take it to France for the summer - just wondering if anyone has had similar problems, and if I can find an insurer who can do temp cover for just that eventuality only, or whether I should just reinsure with a provider that will do it. Anyway, any thoughts gratefully received, cheers, Jonathan
Post #621008 2nd May 2017 12:03pm
View user's profile Send private message View poster's gallery Reply with quote
JOW240725



Member Since: 04 May 2015
Location: Suffolk
Posts: 7866

United Kingdom 2012 Defender 110 Puma 2.2 XS CSW Orkney Grey
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
Post #621065 2nd May 2017 4:21pm
View user's profile Send private message View poster's gallery Reply with quote
Riverboy



Member Since: 16 May 2016
Location: French sector, Earth
Posts: 1288

2014 Defender 90 Puma 2.2 SW Corris Grey
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 Very Happy

Best to check you're covered for fire damage though, in case of a passing riot Whistle
Post #621073 2nd May 2017 4:45pm
View user's profile Send private message View poster's gallery Reply with quote
ericvv



Member Since: 02 Jun 2011
Location: Near the Jet d'Eau
Posts: 5816

Switzerland 2009 Defender 110 Puma 2.4 SVX Station Wagon Santorini Black
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? Shocked
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? Whistle Laughing

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
Post #621080 2nd May 2017 5:22pm
View user's profile Send private message View poster's gallery Reply with quote
proloForêt



Member Since: 16 Mar 2017
Location: Montereau
Posts: 248

France 2008 Defender 90 Puma 2.4 XS CSW Java Black
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 Censored 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
Post #621087 2nd May 2017 5:56pm
View user's profile Send private message View poster's gallery Reply with quote
ericvv



Member Since: 02 Jun 2011
Location: Near the Jet d'Eau
Posts: 5816

Switzerland 2009 Defender 110 Puma 2.4 SVX Station Wagon Santorini Black
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. Thumbs Up
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. Laughing 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
Post #621093 2nd May 2017 6:27pm
View user's profile Send private message View poster's gallery Reply with quote
proloForêt



Member Since: 16 Mar 2017
Location: Montereau
Posts: 248

France 2008 Defender 90 Puma 2.4 XS CSW Java Black
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?
Post #621114 2nd May 2017 7:12pm
View user's profile Send private message View poster's gallery Reply with quote
ericvv



Member Since: 02 Jun 2011
Location: Near the Jet d'Eau
Posts: 5816

Switzerland 2009 Defender 110 Puma 2.4 SVX Station Wagon Santorini Black
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. Laughing
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
Post #621143 2nd May 2017 8:04pm
View user's profile Send private message View poster's gallery Reply with quote
Thon



Member Since: 22 Nov 2015
Location: Salisbury Plain
Posts: 696

United Kingdom 
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?
Post #621148 2nd May 2017 8:16pm
View user's profile Send private message View poster's gallery Reply with quote
Birdy



Member Since: 07 Oct 2011
Location: Côte d'Azur
Posts: 848

France 2011 Defender 110 Puma 2.4 XS CSW Santorini Black
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
Post #621151 2nd May 2017 8:23pm
View user's profile Send private message View poster's gallery Reply with quote
boode



Member Since: 11 Apr 2012
Location: Devon
Posts: 421

England 2003 Defender 90 Td5 HT Rutland Red
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
Post #621173 2nd May 2017 9:30pm
View user's profile Send private message View poster's gallery Post Reply
Post Reply  Back to top
Page 1 of 1
All times are GMT

Jump to  
Previous Topic | Next Topic >
Posting Rules
You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot vote in polls in this forum



Site Copyright © 2006-2024 Futuranet Ltd & Martin Lewis
DEFENDER2.NET RSS Feed - All Forums