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IStock / City Presse

If many French people leave behind all the elements of their old life to build a new one in a foreign country, it is also possible to take some of your home in your luggage.

How about your car?

Unless you can keep your original plate (which is rare), you will have to re-register and therefore change car insurance, since a French company cannot cover a vehicle fitted with a plate. foreign.

As long as you proceed properly, your rights and benefits can be preserved.

The termination of your contract does not pose any particular problem, since the move is precisely one of the situations that allow you to break your commitment without notice and without penalties, provided you act within three months of the event.

Your insurance will end one month after informing the insurer of your process.

You will then have to take out a new contract in your host country.

An essential collection of information

Any driver can however wonder about the future of his bonus-malus auto, this coefficient of reduction-increase (CRM) which makes it possible to adapt the amount of the insurance contributions according to the behavior of the driver and, more precisely, to its claims.

To have a chance to assert your profile as a perfect motorist abroad, it is essential to ask your French insurer for a statement of information in English, when you terminate your contract.

This document details your share of responsibility for all claims that have occurred during the past five years and mentions your CRM, which is based on your entire driving history.

All you have to do is send this statement to the new insurer, hoping that it will take it into account.

Indeed, companies are generally free to determine your bonus based on their own risk analysis.

Likewise, make sure that the foreign insurer uses a bonus-malus system.

This is not necessarily the case everywhere.

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