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> Why would you need extra car insurance? Is your car insurance not valid for all of Europe?

Check the wording of your car insurance policy. I doubt regular car insurance covers moving abroad without telling them. Oh, and the vehicle registration isn't going to be valid either[0].

Let's say our hypothetical person has a car accident, a serious one, where the police get involved.

She was driving her (say) Swedish car, with [technically invalid] Swedish insurance, with [technically invalid] Swedish registration and number plates, they ask her for her ID, she shows her Swedish ID card [can't show a residency permit, she chose not to get one].

One big hole she digs herself if she starts lying to the police. A different hole, but a hole nevertheless, if she tells the truth.

> I'm not saying anybody SHOULD do this [..]

Quite

> but there are some people who definitely COULD.

(Not wishing to sound too old and grumpy) but there might just be a whiff of this sounding like it's the story of young privileged well-off types who can't be bothered to follow rules everyone else has to, thinking it doesn't apply to them, and expecting to get away with it when things go wrong? :)

[0] https://europa.eu/youreurope/citizens/vehicles/registration/...



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