We’re planning a long-term trip starting in April with our 4x4, beginning in the USA.
We’re still looking for car insurance that covers Canada and the USA.
We’ve read quite a few forums, but we’re hoping for some help (from fellow travelers).
This topic comes up regularly on the forum with some leads, but I don’t think I’ve read about what THE solution travelers like you have actually found in the end.
It always used to be: you need an address (be a resident?) in the country.
Le vol est trop important dans un voyage pour ne regarder que le prix.
Hi,
I’m currently in the USA with a French camper van that I managed to get insured through Pierre Girardi Assurances Sathers in Los Angeles. I wanted to rent a Smart car, but they couldn’t insure it. Only recreational vehicles like camper vans, motorcycles, or scooters can be covered. A Canadian insurer might be able to cover it, but no more than 6 months in the USA—and even then, only if they feel like it (La Capitale Insurance).
Best,
Vincent
Hello,
I’m currently in the USA with a French RV that I managed to insure through Pierre Girardi Assurances Sathers in Los Angeles. I wanted to tow a Smart car, but they couldn’t insure it. Only recreational vehicles like RVs, motorcycles, or scooters can be insured. A Canadian insurer might cover it, but no more than 6 months in the USA—and only if they feel like it (La Capitale Insurance).
Best regards,
Vincent
Thanks so much, Vincent! We just sent an email to Sathers Insurance.
We’ll keep you posted.
Best regards, 🙂
Cendrine
We're planning a "quick" road trip in our camper van from Canada down through the USA to Mexico and beyond, staying within the 90-day limit for Canada + USA to avoid needing visas.
As we're budgeting, could anyone share what the monthly cost of vehicle insurance typically is?
Hi,
On one hand, you can stay 90 days in Canada + 90 days in the US or apply for a B2 visa for 6 months.
On the other hand, Sathers insurance only covers you for a year, not less. For a camper van valued at $50,000, I have comprehensive insurance for around $900.
Best regards,
Vincent
for a trip to North and Central America, you’ll find all this info at: le-lien-amnordcentrale@googlegroups.com
just introduce yourself to request membership in the forum. It’s free.
You can ask questions or find answers in the files.
good luck with your prep!
MT
Thank you so much Vincent, we’ve just sent an email to Sathers insurance.
We’ll keep you posted.
Best regards, 🙂
Cendrine
Hi Cendrine, 🙂
Could you share your experience with your vehicle insurance?
We’re currently in Canada (Vancouver) in the middle of customs clearance, and we emailed Mr. Girardi at Sathers insurance but haven’t heard back. Should we call instead? How long should we wait for a response?
Best regards, and safe travels while we wait for your update.
I’m back now.
Mr. Girardi gets a lot of emails from curious folks and doesn’t always reply. In the subject line of your email, specify "insurance request," and I think he’ll get back to you. Otherwise, call his office at (805) 644-8600, preferably in the morning around 9 AM (California time).
As a last resort, in Canada, a local insurer can cover you by registering you at their office (like Girardi does), but you must not spend more than 6 months in the USA. An insurer from La Capitale had offered me this option.
Best regards,
Vincent
Hi,
We're in touch with a Canadian insurer who claims they can insure our vehicle. We're meeting them at their office tomorrow... If it doesn't work out, I'll follow up with Mr. Girardi. In our case, we're planning less than 2 months in Canada and 3 months in the USA, for a total of under 6 months... Before heading to Mexico, where it's apparently easier to get insurance (at the land border crossing, like in Asian countries).
So here’s the feedback.
The insurance agent we contacted backed out and kept referring us to ICBC... 😔
After an hour on the phone with ICBC—the British Columbia federal office that has a monopoly on vehicle insurance—we were basically told to contact an insurance company in the US. Translation: you can’t insure your vehicle if it’s not registered in North America... 😞 They clearly don’t know about the famous CPD... And the concept of "transit" was even more confusing than Chinese.
I managed to reach Mr. Girardi by phone. He was really nice but confirmed he can’t insure foreign vehicles at the moment. However, he kindly gave me a contact on the East Coast of the US who might be able to provide insurance for foreign vehicles... Unfortunately, Ms. Blood wasn’t available, so I’m waiting for her to call me back... Fingers crossed!
Hi,
It's good to know that Girardi no longer insures French RVs. For those who might need it after you, please share Madame Blood's contact details.
Best regards,
Vincent
Mr. Girardi is no longer temporarily insuring French vehicles. He’s currently in negotiations to be able to offer this service to travelers again.
Please contact Ms. Blood, mentioning that he gave you the following details:
Ms. Sue Blood, sue@thuminsurance.com
Tel: (1)800 866 07 77
For now, she’s sent us a form to return, and we’re waiting for her response.
Here’s the latest info on insuring a foreign vehicle in the USA/Canada:
First off, we just finalized ours online and by phone. In the end, it only took us 24 hours.
We didn’t go with Ms. Blood’s offer—$1,500 for 6 months in our case.
Meanwhile, the former nomads gave us two other contacts:
Mr. Jens Haselhuhn, Lions Group International.
- Phone: (1) 239 368 55 32
- Email: jens@lionsgroupinsurance.com
This is the solution we chose—super responsive, all exchanges were done within 24 hours via email and phone.
Total: $444 for 1 year, with a refundable balance if you show proof of new insurance (after 6 months).
We also contacted Mr. Aaron Thun from Norshor Agency Inc. for a quote. He got back to us quickly, and we sent him all the documents requested by the agencies (passport copies, international driver’s permit, vehicle registration, and photos of the vehicle). Unfortunately, he wasn’t as fast as his colleague mentioned above in providing a quote.
- Email: athunontop@aol.com
Really nice of you to share the info.
I’m also planning a trip with my own vehicle in the US.
Did you handle all the paperwork in French, and did the insurer list your address as theirs?
Also, is this insurance renewable for several years in a row? If so, how do you handle the authorization to leave a vehicle in the US for only one year?
Could you tell me what vehicle you insure?
I'm looking into how to insure a Roda Trek bought in Canada for 4 months in Canada and 2 months in the US?
Even Alessie told us yesterday that she no longer insures and that, since each US state has its own legislation, it's currently very complicated.
Thanks so much for your reply
Hello,
Mr. Gerardi is French-speaking, but everyone else communicates in English. We didn’t ask them if they spoke French.
Our vehicle is a Renault B110.
This insurance is valid for 1 year, presumably renewable, but since it doesn’t concern us—we’re only staying in North America for 6 months total—we didn’t look into it further...
From what I understand, they insure vehicles based on the documents provided, so if the vehicle is a registered brand, there shouldn’t be any issue. That said, our B110 definitely isn’t a standard model—and on top of that, it’s been customized...
Thanks so much for all this valuable info!
We’re also looking to insure our vehicle: a fully converted Mercedez Sprinter 40S ;)
We’ve been struggling from forum to forum and have already contacted tons of insurers... so far, the results:
Sather's stand by
Allesie sent us forms (we filled them out + documents) and no response since...
SeaBridge gave us a quote for $1700 for 9 months (ouch!)
So we’re keeping at it—I’ll keep you posted as soon as I have updates with Oliwsz’s contacts.
Happy prep and safe travels! :D
My camper van arrived in Baltimore on April 20th, and I found a broker in Miami who offered me insurance through Progressive.
The rate was very high—$2,500 for 6 months—but it was fully comprehensive for a declared value of $110,000.
My camper van is a 4x4, and I didn’t face any of the restrictions imposed by Seabridge.
The contract could only be finalized 4 days before departure.
Since then, this broker is no longer able to offer contracts to Europeans.
Here’s the broker Seabridge works with:
Thum Insurance Agency LLC
Sue Ellens
In the USA: 1.800.866.0777
Outside the USA: 001.616.957.2400
Fax: 1.616.957.1204
3140 3 Mile Rd NE
Grand Rapids, MI 49525
USA
sue@thuminsurance.com
For my part, I’ll see if I can extend my contract for another 6 months or if I’ll have to return to France...
I'm digging up this post because I'm also struggling to find insurance for a 6-month road trip between the USA and Canada in 2027.
I've already sent quite a few emails, and the responses aren't great:
For example, Thum Insurance offers coverage at $4,000 for 6 months, but it excludes Canada, and the deductibles are insane.
I'd like to know what the best options are currently for insuring vehicles registered abroad for both the USA and Canada.
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For my 60th birthday (yes, I’m jumping the gun a bit!), I’m starting to plan a self-drive trip to Tanzania (in June).
I also considered Zimbabwe but I’m worried it might be a bit chilly at night in June.
I’ve revisited an itinerary I’d thought about before, tweaking it since I’ll have more days to dedicate to this trip. Still no big northern classics for the same reasons as before (too expensive, too crowded, too many tour operators).
Here’s what I’ve got so far:
(Arrival/departure from Kilimanjaro Airport)
Night 1: Arusha
Night 2: Arusha
Night 3: Lake Manyara
Night 4: On the way to Iringa (any ideas???)
Night 5: Iringa
Nights 6–8: Ruaha NP
Nights 9–10: Mikumi NP
Night 11: Bagamoyo
Nights 12–15: Beach
Nights 16–17: Lushoto
Nights 18–19: Mkomazi NP
Night 20: Toward Marangu – eastern Kilimanjaro
Night 21: Western Kilimanjaro
End of trip
All your ideas, tweaks, info, and suggestions on this route are welcome!
I could move one beach night somewhere else if needed.
Also, if you have a car rental company to recommend or thoughts on the bandas rented in the parks, I’m all ears!
Finally, what are the roads like in Ruaha in June? The rental company I’m looking at seems to allow this park with a small 4x4. (Off-limits: Serengeti and Natron)
Hi there,
We’ll be traveling in January 2027 in a 4x4 with a rooftop tent with our three kids, from Johannesburg to Cape Town. We’ve already booked several campsites in national parks (Golden Gate / Mountain Zebra / Addo Elephant / Garden Route).
We still need to reserve the stretch between De Hoop Nature Reserve and Cape Town. Any suggestions?
We’d love to stay around Cape Town for 5 days to explore the wine route, the peninsula, and do some hikes in Table Mountain.
Any camping recommendations? Or, on the contrary, places to avoid?
Also, we have 2 nights left near Wilderness National Park / Knysna. Any recommendations?
Thanks so much for your help!
Hi there,
I’m planning a trip to Russia and Mongolia, starting from France.
Crossing the border at Poland/Belarus or Georgia/Russia—other borders seem either closed or complicated.
Tourist visas for 3 months with multiple entries.
Do you have any info on Russian companies that cover a 4x4 vehicle for 3 months, and what prices in rubles or euros you’ve paid?
Which bank did you use for expenses? (EuroMastercard and Visa cards no longer work.)
Regarding Russian SIM cards, a new system called "Gosuslugi" has been introduced. How long did it take you to get one, and what steps did you follow?
Hi,
we’re planning to visit a park again.
Could you point us toward the camps in Gonarezhou Park?
>We’re traveling completely self-sufficiently.
We love wildlife.
Thanks for any tips you can share!
JP
Hi there, we’ll be in Mozambique in early December 2026 and we’d like to travel from Vilanculos to Beira by car or bus to reach Beira airport. After that, we’re planning to visit Gorongosa National Park before flying back to France from Beira. From what we’ve heard, the road to Beira is tricky, especially at this time of year (start of the rainy season). Could anyone share their thoughts or suggest a solution? Thanks so much for your help!
Anne
Hi there,
I’m heading to Lesotho in a few days and I’m struggling to find info on the best route between Katse Dam and Sehlathebe National Park. There’s a fairly "direct" route from Thaba Tseka, but the roads seem rough, and we’re not exactly 4x4 pros. Anyone have any tips to share? Thanks!
Hi everyone,
We’re heading to Mozambique in October and are looking for either a 4x4 or 4x2 rental in Maputo, or a driver transfer option to reach:
- Ponta Do Ouro
- Tofo
- Vilankulos
The idea is to be self-sufficient for sightseeing and stops while still being able to access certain lodges or beaches that require a 4x2.
Do you have any contacts, addresses, or ideas to share?
Thanks in advance,
Hello,
We're hitting the road again in 2027 to discover new countries and cultures.
Could anyone give me some tips on driving from Ulaanbaatar to Lake Baikal and the route to take?
Thanks, and safe travels to those who are setting off!
We’re planning a 4x4 trip from Belgium to Central Asia, passing through Georgia, Russia, Uzbekistan, Kazakhstan, and Kyrgyzstan.
For these countries, our national insurance obviously doesn’t cover the vehicle, so we’ll need to get local insurance.
Will it be a problem if the vehicle is registered under person A and the national insurance is under person B? Both A and B will be in the vehicle, and both will be listed as drivers on the insurance.
When we get the local insurance, if we again list A and B as drivers, does the order matter? Could we get stuck at the border for this reason?
Hi,
For those who’ve driven on Iceland’s gravel roads in their own or a rented Duster, could you tell me what tires were fitted on the vehicle?
Were they All Terrain tires or more "standard" ones like all-season tires, for example?
Follow-up question: if they were "standard" tires, did that cause any issues on the gravel roads and rough terrain?
Thanks so much for any info you can share.
Best,
Marc
Hi there,
I'm planning a 4x4 road trip from Darwin to Broome with a rooftop tent in July 2026.
I'd like to know if I need to book overnight stops in advance or if I can just wing it and stop wherever I feel like it?
Some evenings, we'd like to stop and make use of campsite facilities (restaurant, shop, showers, toilets).
What do you recommend?
Do I need a permit?
My rough itinerary looks like this:
Darwin - Kakadu
Kakadu - Nitmiluk
Nitmiluk - Kununurra
Kununurra - Purnululu
Purnululu - El Questro
El Questro - Mt Elizabeth - Bell Gorge - Broome
I’m planning a trip to Iceland for next July-August, with a car and tent, and I’m wondering about booking campsites.
From your experience, is it necessary or even essential to book campsites in advance, or do you always manage to find a spot to pitch your tent?
We’ll also have the option to sleep in the car without pitching the tent.
Does that give us the flexibility to stay outside a campsite for a night here and there?
Hi,
I’m planning a road trip in the Middle Atlas, starting and ending in Fez and heading down to the south of Midelt, the Assoul Massif.... We’ll be traveling with two small 4x4s.
I’m looking for detailed maps of this region that include small roads and tracks.
Last year, we had a fantastic road trip in the Anti-Atlas and High Atlas using Erfahren maps, but unfortunately, they don’t cover the area we’re interested in this year.
Thanks for your suggestions!
Dominique
We’re planning a 13-day family road trip in Morocco this July, with six people in a Toyota Prado 4x4 (renting in Marrakech).
We’ll alternate between bivouacking and small hotels/riads depending on the stops.
Here’s the planned route (in this order):
Marrakech
→ Ouarzazate
→ Draa Valley
→ Zagora
→ Erg Chegaga
→ Lake Iriki
→ Foum Zguid
→ Tata
→ Tafraoute
→ Aït Mansour
→ Tiznit
→ Mirleft
→ Taroudant
→ Back to Marrakech
Our goal:
Atlas Mountains + desert + dunes + plateaus + valleys + a bit of coastline.
We’ll cover about 1,700 km in total.
We’re planning:
Bivouacking in the Chegaga/Iriki area
Flexible for the rest (booking the day before or same day)
Sand gear: traction plates, compressor, tow strap, roof rack
Questions:
Is the Zagora → Chegaga → Iriki → Foum Zguid crossing in July doable on our own (single vehicle, no guide)?
Are there any truly technical or risky sections between Chegaga and Iriki?
Does the overall itinerary seem manageable in 13 days without rushing?
Any suggestions for great bivouac spots or particularly interesting stops along this route?
The points on the route are provisional overnight stops. Some spots will include two nights in the same area.
We’re used to off-road driving, but not yet in the Moroccan desert.
Thanks in advance for your feedback and tips! 😊
Good evening
I could use some advice 🙂
Our trip to Namibia is planned for June/July 2026.
We’re struggling a bit with timing and choosing activities for the part of the trip between Sesriem and Brandberg.
Day 1: Sesriem to Mirabib
Day 2: Mirabib to Swakopmund – visit Swakopmund, overnight in Swakopmund
Day 3: Sandwich Harbour – overnight in Swakopmund
Day 4: Kayaking with the seals + the living dunes – overnight in Swakopmund
Day 5: Moon Landscape, Henties Bay + Cape Cross – overnight at White Lady Lodge in Brandberg
Does this itinerary seem realistic to you? Is Cape Cross really worth the trip? If I had to choose between Cape Cross and kayaking with the seals, which would you recommend?
Thanks in advance for your help!
Hélix
My son and I are heading to Georgia this summer to explore the High Caucasus (Svaneti, Kazbek, and Tusheti regions). For this, we’re planning to rent a 4x4.
However, the rental agencies we’ve found prohibit driving on the tracks to Omalo (Tusheti) and/or Ushguli (Svaneti).
Do you know of any agencies in Tbilisi (local and reliable) that allow rented 4x4s to drive on these tracks? If so, which ones?
Hi everyone,
I’m starting to plan an itinerary for September 2027 focused on Zimbabwe and Zambia. I’d love to visit Gonarezhou National Park—I see there are two sectors: the Mwenezi Region in the south and the area around the Runde River in the north. Should I cover both sectors or just focus on the northern region?
For the parks along the Zambezi River, is it better to visit Mana Pools on the Zimbabwe side or Lower Zambezi on the Zambia side?
Thanks in advance for any tips on the parks in these two countries.
Have a great day, everyone.
We’re spending 18 days in New Zealand from 05/04 to 05/21, arriving in QUEENSTOWN and leaving from AUCKLAND.
Any ideas for a road trip that covers the highlights of both islands but only changes hotels every 3–4 nights?
Thanks.
For our trip to Georgia in July, I’d like to rent a 4x4 starting from Tbilisi.
Do you have any rental companies to recommend?
The traditional rentals like Hertz, Avis, etc. seem way overpriced compared to local companies—what do you think? Are they properly insured?
Has anyone here tried Geo Rent Car, Auto 4 Rental, or Sur Price?
Also, I’m looking for info on the condition of the Ushguli–Lentekhi track—is it passable?
Hi everyone,
A well-prepped 4x4, a travel plan across Africa in stages since I’ve got kids to see regularly and work to earn a living.
I’m leaving in November for about a month with the goal of reaching Senegal via Mauritania. I’d love to share this trip with someone who wants to discover Mauritania and a bit of Senegal... and also experience life on board a 4x4 in the desert or bush, sometimes sleeping in the vehicle or in hostels/small hotels for comfort. I want to share this rediscovery because two’s better than one!
Just traveling, exploring, and living! !
I’m planning to explore Argentine and Chilean Patagonia for a month in December 2019.
I’m looking for a rental company (or several) that offers single-cab 4x4 pick-ups with a fitted camper cell for two people. I’m specifically after a vehicle with an indoor shower for extra comfort ;)
So, no vans—at least not from the rental companies I’ve seen so far.
While browsing the forum, I came across the Chilean rental company Holiday Rent. But do you have any recommendations for Argentine rentals?
Because, if I can’t return the vehicle in the same city as pickup, I’d prefer—and it’d likely be cheaper—to at least return it in the same country.
I’m traveling through Argentina and Chile (as well as Paraguay and Uruguay) with a 2019 Toyota Hilux Euro 6. Could anyone tell me if the local diesel is suitable for its engine, or if I need to take any special precautions (like adding an additive, for example) for these countries?
I’d also like to know if driving at high altitudes is possible, and up to what elevation—or if I should worry about the vehicle going into limp mode?
If that happens, what should I do?
Hi there,
Can you tell me if the road between Zagora and M'Gouna is easy or difficult for a 4x4? How much time and how many kilometers should I plan for? I’m traveling in May.
Thanks!
Hi there,
My trip to South Africa is starting to take shape.
However, I'm struggling to figure out the route through Kruger Park. I can't seem to find the information I need about getting around.
Coming from the south, I plan to arrive on Day 1 in the early afternoon at Malelane or Crocodile Bridge.
Do some shopping in Malelane (or Crocodile Bridge main area) and stay overnight outside the park.
Leave on Day 2 at 5 AM for the park. Explore the southern part of the park.
Stay overnight around Skukuza or Lower Sabie. (We don’t want to stay in one of the park’s big camps. We’re looking for a lodge around 200 €.
Head out on Day 3 for a self-drive safari, maybe as far as Orpen.
We’d like to stay in a private reserve on nights 4 and 5.
We’re not sure which one or how to get into a private reserve. Do we need to exit Kruger Park?
On Day 5, we’d like to leave to visit Blyde Canyon (on Day 6).
I’m planning to leave Morocco for the summer but want to leave my 4x4 there to avoid exceeding the famous 6-month limit. I’d like to park it in one of the two Spanish enclaves (Ceuta or Melilla).
Does anyone know of people or companies that handle long-term parking (preferably secure) in either place?
Once the car is parked, what’s the best way to get back to France using public transport?
Is the nearest airport Tanger from Ceuta?...
How do I get there easily, etc. etc.
hello! I’d like to go to Kazakhstan and rent a fitted 4x4 locally so I can drive off-road trails and sleep inside the vehicle... could anyone share some local rental company addresses, please? Thanks! !