EU / UK market
EU & UK insurance education
Direct answer: EU & UK insurance education: motor third-party liability, home contents, life assurance, and IDD-aware explainers—educational only, not advice or quotes. Supervisors & frameworks: National supervisors · EIOPA · FCA (UK).
Learning pillars
Cross-border concepts first—then open a country page for national compulsory cover and the supervisor of record.
Motor third-party liability
What compulsory motor liability usually does in the EU & UK
Open topic →Home & contents
Buildings vs contents across EU & UK households
Open topic →Life assurance basics
Term protection vs savings-wrapped products
Open topic →IDD & consumer information
Insurance Distribution Directive-style information duties (education)
Open topic →
Country & market pages
12 educational country sketches with compulsory motor themes, home/life notes, FAQs, and supervisor links.
- GBPUnited KingdomIn the UK, third-party motor insurance is compulsory for using a vehicle on public roads; home and life covers are usually optional but often tied to mortgages or landlord requirements.
- EURIrelandIreland requires third-party motor liability for road use; home and life products are common add-ons shaped by mortgages and landlord rules.
- EURGermany(Deutschland)Germany’s compulsory motor layer is Kfz-Haftpflicht; Teilkasko/Vollkasko and Hausrat/Wohngebäude are optional layers you choose after you understand the compulsory floor.
- EURFrance(France)French motor responsabilité civile is compulsory; multirisque habitation and assurance-vie products are common but serve different jobs—do not mix savings wrappers with pure death cover.
- EURNetherlands(Nederland)Dutch motor WA (wettelijke aansprakelijkheid) is compulsory; WA+ / all-risk and inboedel/opstal covers are optional upgrades you choose after the legal floor.
- EURSpain(España)Spain requires compulsory motor civil liability; hogar and vida products are optional and should be compared on limits and purpose, not brand slogans.
- EURItaly(Italia)Italy’s compulsory motor layer is RCA; optional garanzie and home/life products sit on top—learn the floor before shopping add-ons.
- PLNPoland(Polska)Poland requires OC motor third-party liability; AC and home/life packages are optional layers you choose after understanding OC.
- EURBelgium(België / Belgique)Belgium requires motor third-party liability; home and life products are common household covers that should be compared on limits and exclusions.
- SEKSweden(Sverige)Sweden requires traffic insurance (trafikförsäkring) for motor vehicles; home and life covers are separate decisions after that floor.
- EURPortugalPortugal requires compulsory motor civil liability; home and life products are optional and should be read for water damage, seismic, and sum-assured details.
- EURAustria(Österreich)Austria requires motor Haftpflicht; Kasko and household covers are optional layers chosen after the compulsory floor.
FAQ
- Does PolicyPlain sell EU or UK insurance?
- No. We publish educational guides and free decision tools only. We are not an insurer, broker, or adviser.
- How do I switch between US and EU reading?
- Use the US / EU control in the header or footer, or open /eu for the EU & UK hub. Country pages live under /eu/{country}.
- Are the calculators priced for my EU country?
- No. Tools are educational models—often US-framed examples. Use them to understand structure and tradeoffs, then verify with local documents and a licensed professional.
Educational only—not an insurer, broker, or law firm. Confirm live rules with the linked national supervisor before you buy or renew.