top cx logo
cx logo
Explorearrow down
search icon
arrow down

Second-home owners: Can I insure my car at my French address?

Insuring a car in France depends on whether the car has been bought in France or exported from the UK. We explain

If you own a car that is kept in France, it must also be insured in France Pic: Daniele Silva / Shutterstock

Reader question: Can I insure a car in France using the address of my second home there? Also, is it possible to insure month by month or would I have to insure for a full year?

In reply to your first question: yes, it is possible to insure a car at your French address, to keep it in France and use when you are there – in fact, this would be the norm.

However, if you have exported the car from the UK, then you should also have registered it with French numberplates at the address of the second home. DVLA rules do not allow a car to remain with UK plates once it has been taken out of the country for more than 12 months.

If you own a car that is kept in France, it must also be insured in France, though insurers in France will not insure a car registered in the UK.

While the policy will be annual, it will often be paid for on a monthly basis.

One English-speaking French insurance specialist, Angéline Pequeno of Axa Insurance, said: “The registration must be French – since Brexit we do not insure any UK-registered cars.

“We can use the address of the second home.

“That will be the address on the carte grise and it must be the same.”

She added that an option for saving money while away from France is to temporarily reduce the guarantees to just fire and theft, as opposed to comprehensive insurance.

Related stories

Brexit: Do I need to change sticker on my French car to drive in UK?

Resident or second-home owner in France?
Benefit from our daily digest of headlines and how-to's to help you make the most of life in France
By joining the newsletter, you agree to our Terms & Conditions and Privacy Policy
See more popular articles
The Connexion Help Guides
featured helpguide
Healthcare in France*
Featured Help Guide
- Understand the French healthcare system, how you access it and how you are reimbursed - Useful if you are new to the French healthcare system or want a more in-depth understanding - Reader question and answer section Aimed at non-French nationals living here, the guide gives an overview of what you are (and are not) covered for. There is also information for second-home owners and regular visitors.
Get news, views and information from France