You moved countries.
Your car insurance
didn't.
We're the multilingual brokerage that untangles foreign-plate insurance, no-claims bonus translation, and cross-border policy gaps — for expats who don't have time for the wrong answer.
The three situations we fix every single day.
Your no-claims bonus doesn't translate.
8 years of clean driving in the UK. Your new Portuguese insurer has never heard of it. You're being quoted as a new driver.
Your policy expired at the border.
You crossed from Germany into Austria last Tuesday. Your German policy covers EU territory — or so you thought. Page 47 of the terms says otherwise.
You're driving uninsured and you know it.
You bought a camper in France. You're living in Croatia now. The French policy lapsed. The Croatian broker wants documents you don't have. It's been three weeks.
The bureaucracy, decoded.
Cross-border motor insurance: what nobody explains.
The EU Motor Insurance Directive mandates third-party coverage, but territorial limits, Green Card requirements, and national regulations layer on top in ways that differ by country pair. A policy valid in Germany may not satisfy Croatian law — even for EU citizens.
The Green Card system covers 48 countries. Most insurers cover 3.
Why your no-claims history goes missing.
No-claims bonuses (NCB) are not standardised across borders. Insurers in Spain, Portugal, and Germany each use different scales. A UK insurer's "protected NCD" certificate is often unrecognised. We translate your history into each country's format and submit it on your behalf.
We've recovered NCB discounts averaging €340/year for relocated clients.
Foreign plates, local roads, real risk.
Driving a German-spec BMW with German plates on Portuguese roads creates a grey zone. Local police, local courts, and local insurers each have a view on liability. We structure your policy to close that gap explicitly — in writing.
Portuguese GNR issued 12,400 foreign-plate warnings in 2024.
Every situation was genuinely complicated.
“I'd been driving on a lapsed German policy for six weeks because I couldn't get a straight answer from anyone. Shield sorted it in 48 hours. They even wrote the letter to the Portuguese Autoridade Tributária for me.”
“My husband got a relocation package and I followed him to Tokyo, then Osaka, then we ended up in Berlin. Our kei car had three different plates in the paperwork. I genuinely don't know how Shield untangled it.”
“Bought a Citroën Berlingo in Lyon, spent six months in Spain, now Croatia. My situation is genuinely absurd on paper. Shield didn't flinch. I have a valid policy that covers all three countries for the next twelve months.”
“HR told me my US State Farm policy would cover me in Germany for 30 days. It covered me for 14. Day 15 I was driving uninsured. Shield got me a proper BaFin-registered policy with my US driving history recognised.”
Find My Coverage Gap.
Five questions. Two minutes. A precise diagnosis of where your cross-border coverage breaks down.
Where was your car originally registered?
This determines your base policy territory and NCB format.
Complete the quiz to see your personalised risk assessment.