Before you go
You can protect yourself against the risk of receiving less compensation when you have an accident abroad than when you have an accident in your own country by purchasing additional insurance cover. Your insurer can advise you which additional cover would best meet your needs.
If you have an accident abroad, the law of the country in which the accident happens applies. Your claim for compensation (property damage and personal injury) may therefore be submitted and handled differently to how it would be in your country of residence.
If you have an accident in Europe, you can use the system set out in the EU Motor Insurance Directive to ensure quick settlement of your claim. This applies to the European Economic Area (the EU member states, Norway, Iceland and Liechtenstein) and Switzerland.
At the scene
If you have an accident, collect as much information as possible about the other vehicle’s owner, operator and driver
When you get home
You do not have to submit the claim in the country in which the accident occurred. You can submit your claim in your country of residence, in your own language, to a claims representative of the other party’s motor insurer. Your insurer (motor or legal expenses insurer), may be able to assist you.
To find the representative's contact details, contact the information centre in your country of residence. If you know the name of the insurer, the information centre can provide you with the claims representative’s contact details. If not, they will trace the other party’s insurer and its claims representative from the vehicle registration number, make and model of the vehicle and any other details you provide.
If the foreign insurer has not appointed a representative in your country of residence, you can send your claim to the national compensation body. This body also intervenes when the other party’s vehicle is uninsured or the insurer could not be identified, if the accident occurred in an EEA country.
You can find a list with claims representatives and national compensation bodies on the Council of Bureaux website.
Points to remember
National contact points
Istituto per la vigilanza sulle assicurazioni
private e di interesse collettivo (ISVAP)
E-mail: [email protected]