Robinhood Posted August 18, 2014 Share Posted August 18, 2014 ...I've posted on this anomaly before, but in checking my insurance docs before going away, I find it has reared its head again. My insurance policy documents explicitly name Andorra as being within the territorial limits of my cover. My Certificate of Insurance, however, does not! Andorra is not part of the EU, and is therefore not covered under the wording extending the cover to meat the compulsory requirements of every country in the EU, and it isn't explicitly detailed (as for example Lichtenstein is). I'm not going anywhere near Andorra this trip (indeed, it is one of those places that I feel one ought to visit just for the record, but possibly only once - been there, done that) so it is of little immediate concern to me, but I do feel a query to my provider coming on. Anyone with plans to visit or traverse Andorra may wish to check their insurance status. Link to comment Share on other sites More sharing options...
lennyhb Posted August 18, 2014 Share Posted August 18, 2014 You got me checking mine even though I am not likely to go near Andorra in the near future. The certificate states "EU Countries" and Iceland, Norway, Switzerland, Liechtenstien & Croatia. The policy does not list any countries but has this statement: "any country which the Commission of the European Communities is satisfied has made arrangements to meet the requirements of Article 7(2) of EC Directive 72/166/EEC relating to civil liabilities arising from the use of a motor vehicle." At a guess I would expect Andorra to come into this category, but does this mean you should have a green card to transit Andorra? I've been there a few times in the past never even thought about it. Link to comment Share on other sites More sharing options...
malc d Posted August 18, 2014 Share Posted August 18, 2014 Just had a look at my C&CC insurance certificate ( Equity Red Star Insurance ) - it names Andorra as included in the cover. Went there once - huge traffic jam all the way through so didn't stop. ;-) Link to comment Share on other sites More sharing options...
Robinhood Posted August 18, 2014 Author Share Posted August 18, 2014 @lennyhb ....I suspect your policy is with the same broker/underwriter as mine. If you look at the definition of "Territorial Limits" in the policy document, it specifically includes Andorra. The COI, however, does not. I'm not sure I'd like to argue the toss with an Andorran rozzer. ;-) (The COI is also interesting, since Croatia has been a member of the EU for over a year, yet is mentioned separately). If I ever consider visiting Andorra again, then I'll certainly seek clarification. Insurance companies, don't you love 'em. :-S Link to comment Share on other sites More sharing options...
lennyhb Posted August 18, 2014 Share Posted August 18, 2014 Nope, only the statement I mentioned under the "Continental use" section. It's Comfort underwritten by Aviva Link to comment Share on other sites More sharing options...
Robinhood Posted August 18, 2014 Author Share Posted August 18, 2014 ...the current comfort policy document contains reference to "territorial limits", defined as Territorial limits Countries where 365 days cover applies and no Green Card is required: Great Britain, Northern Ireland, the Channel Islands and the Isle of Man, the Republic of Ireland, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein). All other acceptable countries outside of the EU, a single trip limit of 120 days applies and a Green Card is required. Link to comment Share on other sites More sharing options...
lennyhb Posted August 18, 2014 Share Posted August 18, 2014 Nothing like that in my policy, new policy was taken out at the end of May and the only policy I have is the pdf file they emailed to me. Link to comment Share on other sites More sharing options...
candapack Posted August 18, 2014 Share Posted August 18, 2014 Coincidentally, this was also the title of one of Shakespeare's lesser known works - written somewhere in between Romeo and Juliet, and Troilus and Cressida. It bombed at The Globe. :D Link to comment Share on other sites More sharing options...
docted Posted August 19, 2014 Share Posted August 19, 2014 Chris thats a new one to me "Insurance and Andorra" was it another love story? :-S Link to comment Share on other sites More sharing options...
EMS Posted August 20, 2014 Share Posted August 20, 2014 Whilst living near Toulouse I decided to tour the Pyrenees so leaving Toulouse during the Easter holiday it was a warm 28degrees C so shorts. Whilst climbing up to Andorra it started to snow so a quick change to jeans and jumper, a stop for a coffee and descend to Spain. At the border the vehicle was very effectively searched as the customs man who did not believe any one would leave Andorra without buying any cheap duty free goods! So make sure you buy something in Andorra to show at the customs in France or Spain. Link to comment Share on other sites More sharing options...
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