Insurers have warned UK motorists planning to drive to other European Countries they will need Green Cards in the event of a no-deal BREXIT.
They are essentially international insurance certificates that prove your motor insurance policy provides the minimum cover required.
You will need to apply for your Green Card at least one month in advance of your planned drive in Europe. If you haven’t already applied for a Green Card, it might be an idea to do so now, especially if any part of your job role is reliant on you driving in Europe.
In May 2018, an agreement between UK and European insurance authorities was struck to waive the need for Green Cards, but the agreement has not yet been passed into law by the European Commission, the arm of the EU which is responsible for proposing legislation.
It looks increasingly likely that the UK will leave the European Union without a Withdrawal Agreement (a ‘no-deal’ Brexit). If/when this happens, UK motor insurance customers driving in the European Economic Area will need physical proof of motor insurance when they travel, this will be your Green Card. It will also be required to cross the Irish border by road.
It is likely that you will not need a Green Card if you are simply hiring a car in Europe as the rental from the hire company should cover you.
However, if you rent a vehicle in the UK for use in Europe, then you will need a Green Card in the event of a no-deal BREXIT.
To apply you will need to contact your motor insurance provider a month in advance of the when you need it. Your insurer may issue a small admin charge for the process of issuing a green card to you.
Green Cards are required in 47 countries, including all 28 in the European Union. It also includes the additional countries that make up the European Economic Area (EEA) and several countries in the Middle East and others that border the Mediterranean Sea.
Although a Green Card is no longer required for travel to the EEA, including Switzerland, Andorra and Serbia, this would cease to apply for UK motorists in the event of a no-deal BREXIT.
Countries that specify that you carry separate trailer insurance will likely except you to carry a separate green card for your caravan or trailer. Better to be safe than sorry and ensure you carry a Green Card just in-case.
The same rules apply for commercial trailers, which will impact on most haulage companies. You must register a commercial trailer weighing over 750kg prior to towing them abroad. A separately registered trailer will require a green card and all trailers weighing over 3,500kg must also be registered.
Failure to obtain a Green Card for your UK-registered vehicle/s may result in you having your vehicle/s seized, prosecution and/or a heavy fine.
In the event of a ‘no-deal’ BREXIT, the Department for Transport has indicated that you may need to obtain an International Driving Permit (IDP). You would need to show this along with your driving licence.
You can get your IDP at the Post Office. It is important to remember that there are different types of IDP. Which one you will need depends on which countries you will be driving in:
‘Frontier Insurance’ could be an outside option for this. This is a third-party insurance bought in the country the motorist is driving in.
However, there are some caveats to this that you need to be aware of;
You will likely discover that simply applying for the Green Card is the easiest option available to you.
Protects against claims of alleged negligence in your professional services, advice and designs.
Protects against claims of injury to third-parties or damage to a third-party's property.
A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.