European Insurance - inc countries meeting requirements of Article 8

[Peter Clark]

Hello Funsters

After a lot of phone time to Funsters recommended insurers, I eventually received an excellent policy and price from Ross at AIB - allowing me to spend up to 9 months per year in Europe - at a lower cost than any other policy, including those with much tighter restrictions - i.e. 90 days per year and minimum age of vehicle be 2010 and much more.

However - reading through the terms to check exactly which countries are included I am confronted with this:

"● any country which is a member of the European Union

● any country which the Commission of the European Communities is satisfied has made arrangements to meet the requirements of Article 8 of the EC Directive 2009/103/EC relating to civil liabilities arising from the use of a motor vehicle."

I've done some internet searching to find a list of these countries, but not finding anything.

Does anyone know who these countries are?

PS: The breakdown cover included with the policy lists the following countries as covered,
(which I'm thinking must be an indicator they satisfy Article 8?)
- but AIB don't know if that indicates they covered by the vehicle insurance, because it is a different company:

"The European Union, Albania, Andorra, Bosnia Herzegovina, Gibraltar, Iceland, Liechtenstein, Macedonia, Monaco, Montenegro, Norway, San Marino, Serbia, Switzerland and Turkey (West of the Bosphorus)"

 

[Bessy765]

Just as an aside how do you plan to manage 9 months in one year/

 

[Peter Clark]

Just as an aside how do you plan to manage 9 months in one year/

Firstly - I’m retired and have little in the way of responsibilities in the UK.

My total retirement income is relatively modest, so I plan to rent out my house as a “house share” with the benefit to the tenant they will have my quite nice 4 bedroom house to themselves for up to 9 months of the year.

Benefit to me is that I am still paying council tax and officially resident in the UK, which is useful in a number of ways - particularly that I have somewhere to roost when I have to be back at my local hospital for ongoing treatment every 4 months, without which I would have terminal problems.

That’s the plan, as always the plan is the easy bit, now I have to make it happen

 

[Est1878]

Hi, I'm assuming that Bessy765 was referring to the 90 days in 180 days "EU" rule? Can I ask whether you are aware of that one?

 

[Bessy765]

That is what I was asking?

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[Peter Clark]

Hi, I'm assuming that Bessy765 was referring to the 90 days in 180 days "EU" rule? Can I ask whether you are aware of that one?

Spend time in non Schengen countries as required. North Africa - Balkans - Turkey should do it.

 

[Est1878]

That's good, mentioned it in the unlikely event that you weren't aware.

 

[nicholsong]

Spend time in non Schengen countries as required. North Africa - Balkans - Turkey should do it.

Would it be too drastic to marry an EU Citizen?

People keep telling me to do that, but I am in less danger of being caught exceeding 90 days, since we only travel within Schengen and are not likely to have our border crossings recorded, in passport or by scanning. For example we are doing 2 trips this year could exceed 90 days in total, but if we are not recorded on the first trip then it 'never happened'

Another solution for you Peter would be to apply for Residence in one of the countries where you would stay the longest and then, although you would still be restricted to 90 days outside that country, time in that country is unlimited.

 

[Peter Clark]

Would it be too drastic to marry an EU Citizen?

People keep telling me to do that, but I am in less danger of being caught exceeding 90 days, since we only travel within Schengen and are not likely to have our border crossings recorded, in passport or by scanning. For example we are doing 2 trips this year could exceed 90 days in total, but if we are not recorded on the first trip then it 'never happened'

Another solution for you Peter would be to apply for Residence in one of the countries where you would stay the longest and then, although you would still be restricted to 90 days outside that country, time in that country is unlimited.

I don't think I qualify under any of the residency options:

1. EU Residency – Income Visas
2. EU Start-up Visas
3. EU Remote Work Visas and EU Digital Nomad Visas
4. European Student Visas
5. EU Residency by Investment (RBI)
6. EU Blue Card (similar to US green card)
7. EU Residency for Skilled Migrants (Work Permits)