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• Competition is keeping the cost of motor insurance flat, but for how much longer?

  30/10/2019

  Despite increasing cost pressures, the average price paid for motor insurance in the third quarter of the year remained flat, as drivers continued to benefit from a competitive motor insurance…

• FAQ

  Will I still be able to use my insurance to drive in other EU member states after Brexit?

  Yes. All UK motor insurance providers will continue to provide the legal minimum motor insurance cover for travel to EEA countries. If you are a UK motorist, you will, therefore, not need to purchase additional third-party motor insurance policy cover when travelling to these countries with a UK-registered vehicle. You would continue to hold the same third-party cover that you do now.  

• FAQ

   If I have comprehensive motor insurance, will this automatically cover me if my car is damaged or stolen abroad?

  All UK motor insurance providers will continue to provide the legal minimum motor insurance cover for travel to EEA countries if the driver is carrying a valid Green Card. You will, therefore, not need to purchase additional third-party motor insurance cover when travelling to these countries with a UK-registered vehicle. 

  Fully comprehensive motor insurance provides coverage for you and your vehicle as well as other people – this is more than is provided by third-party policies. 

  Not all insurers will automatically extend fully comprehensive cover for travel abroad, so it is advisable to carefully read your policy documents and contact your insurer to check what aspects of your policy apply while you are driving abroad. 

• FAQ

  If I do not intend to use my car in another EU member state and only plan to drive in the UK, will this have any impact on my car insurance?  

  No. If you do not intend to use your car outside of the UK, you will not need to arrange for your insurer to issue you with a Green Card and there will not be any impact on your insurance cover.  

• FAQ

  What happens if I haven’t been sent a Green Card?

  If you are not carrying a Green Card when it is required, then you will not be able to drive legally in any EU member state. If you do attempt to drive in the EU without holding a Green Card, you may be accused of driving without insurance and could be subject to a fine, having your vehicle seized or prosecution.   

  The only other legal option available would be to purchase insurance locally when you arrive in the country (often known as ‘frontier insurance’). However, such insurance cover may not be widely available and may be more expensive than UK-issued policies.  

• FAQ

  Does this apply for driving across the Northern Ireland and Republic of Ireland border?

  Northern Ireland residents travelling to the Republic of Ireland:
  Yes. You should contact your insurer to arrange for the appropriate Green Card documents. 

  Republic of Ireland residents travelling to Northern Ireland:
  No. Valid Irish insurance discs will be accepted as proof of insurance for Irish vehicles.

• FAQ

  I run a business where I employ drivers who regularly cross the border into the EU. Can I arrange their insurance for them or will they need their own documents?  

  As an employer, you will be able to arrange insurance cover on behalf of your employees, as you do today.   

  However, each of your employees will have an individual legal responsibility to carry these documents. Driving for employment or business purposes would not exempt anyone from needing to carry a Green Card.   

• FAQ

  Will the rules for driving abroad change after Britain officially leaves?

  In addition to the potential changes to insurance rules, there will be a number of significant changes to driving rules and licensing requirements that take effect on if we leave the EU without a Withdrawal Agreement. You will need to comply with all these requirements under the terms of your motor insurance policy. 

  The Department for Transport has produced a series of guidance notices on the impact of Brexit on Driving and Transport – available here.  

• FAQ

  Will I need to show my insurance documents when I cross the border into the EU? Will I also need to show the documents when I move from one EU member state to another? 

  You may be required to show documents at the border when entering the EU, but this will be a decision for the border authorities to take. You may also be subject to police checks while driving abroad and you will also need to be able to present the document at the scene if you are involved in an accident.    

• FAQ

  I drive in the EU regularly in my own private car. Will I need to tell my insurer every time I travel?    

  A Green Card will automatically provide you with a guarantee of insurance for a minimum of 15 days. Insurers can also specify that it covers a longer period if this is required, so ask for this if you need it.   

  However, at the point at which you renew your motor insurance policy, you will also need to ensure you have a new Green Card for your new policy (even if you are still abroad on the date your original policy expires). If you decide to switch to a new insurer, you will need to request a new Green Card from that insurer as well.