No Deal Brexit and Car Insurance05 December 2020
From January 1 - 2021, the rules on car insurance when driving in Europe may change, and you may need a green card from your insurer.
An insurance green card is a document generated by car insurers, which proves the driver of the vehicle has suitable and adequate insurance cover for driving abroad.
To apply for a green card, it's a simple process of contacting your insurance company and requesting one, in some cases, there may be a small admin fee.
As we get closer to the end of the Brexit transition period, insurers may become busier with demand and producing green cards, so it's advised to order one in advance.
At the time of writing its uncertain if you'll require a green card if a deal is done or we transition into a no-deal Brexit, but it's equally not a bad thing to obtain just in case you're travelling aboard at New Year or in the first couple of months of 2021.
To save time and postal delays your insurance company may email you the green card. You must print the document out on green paper for it to be valid. If the green card is printed on anything else, it may be refused at a border crossing and by the police.
Other Documents You May Need
Before Brexit, you could drive in Europe using your UK Driving Licence, and your vehicle insurance certificate as proof of insurance - this is still required with the addition of the green card.
International Driving Permit
You may also need an International Driving Permit (IDP) - previously only required when driving outside of Europe.
An IDP is a translated copy of your current UK driving licence, allowing officials to quickly check your details. Always remember to keep your UK driving licence with you to validate the IDP - on its own it's not valid.
IDPs are obtained and applied for from the Post Office, and it's not a one size fits all, with different countries requiring a different permit. The Post Office website has a handy checker tool built-in so it’s best to use this to be sure.
Vehicle Registration Documents
When travelling aboard with your vehicle for less than 12 months, you should carry one of the following documents.
- V5C - Vehicle logbook
- VE103, this document shows your allowed to drive your leased or hired vehicle abroad.
When it comes to the V5C, this must show your most current address, your vehicle must still be taxed and have a current MOT (if required)
GB Stickers / GB Branded Number Plates
Euro symboled GB identifier number plates will no longer suffice in Europe, and you must display a GB sticker on the rear of your vehicle (and trailer)
As this is a developing situation, keep an eye on our news and blog sections for future updates.