[josephlord]

> The amount you are insured against is the same as in the UK...

What is the cost if you seriously injure someone (lifetime disablement) in the two countries? That is the biggest risk the insurer is worried about. AFAIK in the UK the liability of the insurance company is unlimited.

That isn't to say that the UK system is fine. The high cost of insurance for young drivers makes driving uninsured attractive with various risks that come with that.

[gambiting]

Personal injury - the same, unlimited. Damage to private property - up to 5 million euros. Both countries are within the EU and you can drive between them using the same insurance, so I think it has to be the same by law. So I could in theory bring my dad's Land Rover on my own 800 quid insurance and drive it in the UK even if insuring it there would cost me a few thousand pounds, and I would have the same kind of coverage, or even better.