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).
How to use this hub
- Pick a learning pillar (motor, home, life, consumer info, or SME) for the cross-border idea.
- Run the matching EU tool for a layer map or trip checklist—not a local premium quote.
- Open your country page for local product names, shopping tips, FAQs, and the national supervisor link.
EU & UK tools
Dedicated EU/UK decision helpers. US calculators stay on /tools; use them only for structure ideas, not local pricing.
- 3 min
EU motor mapper
Map compulsory motor liability vs optional own-damage layers across 12 EU/UK markets—educational labels, not a quote or legal certificate.
Open tool → - 3 min
EU home chooser
Buildings vs contents path for owners, renters, landlords, and leaseholders—plus flood and home-office checks. Educational only.
Open tool → - 3 min
EU trip check
Own-car or hire-car checklist for green card / territorial limits, excesses, and claim documents before you drive abroad. Not travel legal advice.
Open tool →
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 →Small business & liability
SME liability ideas across EU & UK markets
Open topic →
Core EU & UK guides
Curated deep guides linked from this hub. Country sketches and thinner notes stay behind editorial review until they meet the same standard.
- MotorEU motor third-party liability basics
- MotorUK third-party, fire & theft, comprehensive
- MotorGreen card & cross-border driving
- MotorRenting a car across EU borders
- HomeBuildings vs contents (EU/UK)
- HomeFlood & catastrophe notes
- LifeLife assurance vs savings wrappers
- Consumer infoIDD-style consumer information
- Consumer infoEU policy documents checklist
- Small businessSME public liability map
- Small businessUK employers’ liability basics
- ShoppingComparing EU quotes without traps
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 EU tools priced for my country?
- No. EU tools map product layers and checklists (compulsory liability vs own-damage, buildings vs contents, cross-border trip checks). They are not local premium engines—confirm with your schedule and supervisor.
- Where should I start?
- Open a learning pillar, run the matching EU tool, then open your country page for local product names and the national supervisor link.
- Where should a small trader start?
- Open the Small business & liability topic, then your country page’s SME note and supervisor link. Personal motor/home policies often exclude business activity.
Educational only—not an insurer, broker, or law firm. Confirm live rules with the linked national supervisor before you buy or renew. US guides & tools →