New Language, New Food, New Insurance
You know that GEICO's the best when it comes to insurance here in the States, but did you know that we can also help keep you covered while you're abroad?
Most standard insurance policies written in the US will not cover your vehicles or belongings once you leave the country and unfortunately, "I couldn't understand the sign!" won't get you off the hook if you have an accident.
What is overseas insurance?
Overseas insurance is insurance for your car, motorcycle, and personal property that's available while you are living outside of the United States.
GEICO has provided overseas insurance through its affiliate, GEICO Financial Services GmbH since 1960. GEICO Financial Services GmbH acts as your agent and arranges coverage from high quality overseas insurers who are licensed by the country you'll be living in.
Coverage is available to members of the military, government employees, expatriates and third-country nationals. Eligibility restrictions may apply in some countries.
What does an overseas insurance policy cover?
Trying to figure out which coverages you want and need in a foreign language might seem about as straightforward as learning all of the dialects of Swahili. That's where we come in.
Policies vary from country to country but in most locations you can purchase coverage for liability, comprehensive, and collision. Coverage does not extend to other people's vehicles or any vehicles used for business.
To learn more, call us at (800) 248-4998 from the United States or find a phone number for an agent in your country. You can also contact us by e-mail.
What if my coverage needs to be changed?
Life's surprises follow you everywhere, no matter how many connections and layovers it takes. Should your coverage needs change while you're abroad, you can easily make changes to your existing policy, such as adding a car or new driver, or if you need a new kind of insurance, we'll be happy to help, just contact an office near you or give us a call at (800) 248-4998.
Why GEICO?
We can arrange insurance in more than 30 countries and have several offices overseas. You can stop in to pay a bill, make a policy change, or maybe even get a recommendation for someplace that serves your favorite local dish!
Plus, once you return to the states, it's easy to set up a new state side policy, just call us at (800) 248-4998 and select option 3.
Please note:
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
FAQs
Your U.S. policy likely only covers you in the U.S. and Canada, so you'll need a separate policy when driving in all other countries. Whether you plan to drive across a border or rent or purchase a car overseas, you have plenty of options for getting the international auto insurance coverage each country requires.
How do you answer insurance questions? ›
Below are some best practices to consider:
- Contact a lawyer. ...
- Keep in mind that despite the friendliness of the person taking your statement, that person is not your friend. ...
- Ask specifically that your statement not be recorded. ...
- Give brief answers. ...
- Don't volunteer information. ...
- Answer only the question asked.
It provides protection for when they rent, borrow, or test drive a vehicle that the company doesn't own. Without it, executives and their spouses are at risk of an expensive claim or lawsuit if they're in an accident driving a car the company doesn't own and insure.
Is there such a thing as international car insurance? ›
If you buy a car in your new country of residence, you are generally required to buy an auto insurance plan from a local company. International car insurance is specifically designed for people who are taking their current vehicle to a foreign country.
Can I use my USA insurance in another country? ›
U.S.-based health insurance companies generally can't directly pay medical providers in other countries, which means you will need to pay for your medical care upfront and with your own money. When you return home to the U.S., you can file a claim with your insurance company to get reimbursed.
How does car insurance work when travelling? ›
Car Insurance for Road Trips to Different States
Insurance companies will typically bump your minimum coverage levels up to the limits of the state you're traveling through. Your insurance policy will not decrease if you're traveling through another state with lower minimum limits than your home state.
What is insurance best answer? ›
Insurance is a contract, represented by a policy, in which a policyholder receives financial protection or reimbursem*nt against losses from an insurance company.
What are the three things to know about insurance? ›
These are:
- Premium: How much they need to pay for coverage.
- Policy term: How long the policy lasts.
- Policy limit: The maximum amount the policy will pay out for a covered peril.
- Deductible: The amount the policyholder needs to pay out of pocket before the policy kicks in.
Drive other Car coverage protects company employees from financial loss if they are in an accident in a non-owned company vehicle.
What is miscellaneous vehicle coverage? ›
Posted by admin. This is used to extend insurance coverage to recreational vehicles, motor homes, motorcycles, motorized golf carts and other miscellaneous vehicles that are not already covered under the policy.
Home Term Insurance Definitions broad form drive other car coverage.
Is there such thing as international insurance? ›
An international medical insurance plan can be your lifeline if something happens while you are abroad and you need to seek treatment for an illness or emergency. For most countries, coverage may also be required to get a visa (if you need one) – in many cases, you must show proof you have adequate health coverage.
Does my car insurance cover overseas? ›
Most U.S. auto insurers won't cover you while driving abroad, except for driving in Canada and driving in Mexico. Unless you have a credit card offering rental car insurance, you'll probably need to purchase your insurance from the rental company. Learn more about international car insurance and rental car insurance.
Does US car insurance work in other countries? ›
In general, your U.S. car insurance will not cover you while you are abroad (but, some policies may cover you if you are traveling to Canada or Mexico). Even if your insurance is valid, it may not meet that country's minimum requirements.
Do I need extra insurance when renting a car in Europe? ›
Baseline rates for European rentals nearly always include liability coverage — for accident-related damage to anyone or anything outside the car. (The company may offer additional liability insurance, but I wouldn't buy this without some extenuating reason.)
How does location affect car insurance? ›
Auto insurance
Living in a neighborhood that your insurance company considers “high-risk” can result in higher premiums. A neighborhood's risk level is determined by population density, number of car accidents, traffic, crime rates, severe weather events, frequency and cost of claims, and more.
Is it more expensive to insure a foreign car? ›
You may find imported car insurance is more expensive when it comes to comprehensive car insurance coverage or auto collision coverage because replacement parts can cost more. This can lead insurance companies to increase premium rates to cover that extra cost. But this mainly applies to specialized cars.
Can you have insurance in 2 countries? ›
Yes, most policies provide coverage for travel throughout multiple countries worldwide, however, you only need to select one destination you are traveling to on the quote form.
New Language, New Food, New 