Keep your insurance valid after Brexit with a Green Card

The consequence of Brexit is far reaching and, for those travelling to EU countries, it’s particularly important to stay informed of the legalities.

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What is a Green Card and do I need one?

Are you one of the 55% of UK drivers who don’t know they need a Green Card when driving in the EU if a no-deal Brexit happens?

Just one in three people have heard of the motor insurance Green Card. It is a document that shows evidence of valid motor insurance – and can be obtained through your insurer or insurance broker (that’s us!) You can even print it out at home. You just need to make sure you have some green paper at the ready (any shade of green will do just fine).

The Green Card demonstrates you’re covered for driving in the country you’re travelling to. You won’t need to buy additional insurance cover. You just need a document that proves you have it. Remember – showing the document on your phone will not be accepted.

You won’t need to tell your insurer every time you travel in the EU, but you will need to make sure your Green Card is valid for the dates you are travelling. It goes without saying but we’ll say it anyway – if the travel dates are outside of your period of cover, or your policy has been cancelled or lapsed, your Green Card will be invalid. If you’ve moved to a different insurance company you’ll need to have a new Green Card issued by them.

What happens if I don’t have a Green Card and drive in an EU member state anyway?

You could be accused of driving without insurance. This could land you with a hefty fine, prosecution or you could have your vehicle seized. Not an ideal start to your holidays, we’re sure you’ll agree.

Do fleet vehicles need a Green Card?

Yes. All fleet operators will need to get a valid Green Card for every vehicle driving in EU countries. This could pose a problem if a driver is already overseas when a policy is up for renewal, or if they lose their Green Card. It’s best to plan as far in advance as possible, and speak to your insurer or insurance broker to arrange the cards you need.

What else do I need to know about travelling abroad?

If you’re involved in an accident, follow the same procedures you would do in the UK. Gather as much evidence as possible, obtain the insurance details of the other driver and contact your insurer as soon as possible. You don’t legally need a European Accident Statement – it just might make things a little easier if you do have a “just in case” copy in your glovebox.

If the UK does leave the UK without a deal, your insurance claim will be dealt with by the local legal system. This might mean the process and the way your claim is treated is different to the UK. Reputable insurers have a strong relationship with EU countries and will have the knowledge and expertise to help you. If in doubt, contact the Romero team for more advice and reassurance.

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