Things to consider when driving your car cross-border
We tell you what to take into account when driving a vehicle across a border.
After the recent issue of fugitives crossing the border under questionable circumstances, you might ask what factors to consider when driving your car across the border.
Even though many factors could be beyond your control, taking a step back and planning for unexpected events can help you avoid stress and possible losses.
To lawfully cross the border and be sufficiently protected, there are several points to consider:
Cross-border letter
It is your duty as the driver to notify your insurance company of your intended journey, and it is the insurer’s duty to advise you of the cover you will have in the case of an accident, breakdown, or theft of your car while driving abroad.
Your insurance policy covers risks specific to the country where you live, and a cross-border letter outlines your cover abroad. The risk variables often insured vary from one country to another. For instance, different countries have varying crime rates and road conditions, influencing the risk of getting your car insured.
Security check
Another reason the cross-border letter is required is for safety and security, with the government needing them to control the entry and exit of cars at the border gates.
If you are uncertain, ask questions
Before you drive outside the country, your insurer must know the availability of risk covers, such as cross-border insurance, third-party liability, and total cover, because these risks may vary. From insurer to insurer and policy to policy, these vary. It is your duty to read your policy and understand what it covers.
Inform your financier
If the car is under finance, you must notify the financier, typically a bank, just as you should contact your insurer. If you want to drive it outside the country, you are legally bound to notify the owner and get a written confirmation that permission was granted.
If you are renting a car, get authorisation from the rental company
For the same reason you’d tell the bank if the car is under finance, you need a letter of authority from the vehicle rental company if you travel in a rental car.
When driving abroad, learn about the areas you will travel through
Research the state of the infrastructure and the availability of roadside help in the region you are travelling to.
Ensure your vehicle is safe to drive, and always keep emergency supplies on hand, including a first aid kit, a reflector triangle, a jack, a pump, and a spare wheel.
Valid legal documents
You must have a valid driver’s licence. If travelling with others, you also need a valid passport or visa for each of them.
Certified registration papers
These papers establish that the vehicle you are travelling is roadworthy and legally allowed to be driven.
• Information from Irvine Partners
