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Insurance renewal needs separate green card this year
Lodesman
post Fri, 28 Aug 2020 - 14:40
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A word of warning to those renewing their car insurance this year.

I renewed my LV car insurance and when they sent me my new Cert of Ins it had a section saying that I needed a green card for use in Europe and I should apply for one if needed.

In my case there is apparently no charge for this and I have applied for one, not that I have any intention of using it at the moment but, living two miles from the Tunnel, it is always handy to be able to pop across when an opportunity arises and the present nausea abates.

My point is that up to now I have had up to 90 days foreign European travel included in my policy with no need to ask for a green card.

I suppose it is all part of the Brexit business.

I suggest that those who drive in Europe check their policies as to whether they now need a separate green card.
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post Fri, 28 Aug 2020 - 14:40
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Amarok
post Fri, 28 Aug 2020 - 15:01
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I have also just renewed my insurance with Admiral Multicover from 1st September 2020 and am off across Europe tomorrow so asked the question and was told that I might only need a green card after the end of the year, depending on the exit deal, so unless I was going for more than 4 months, then I was fine.

Obviously, 2021 is still during the term of the annual policy cover so perhaps the LV wording is not clear? Just a thought.

Richard

This post has been edited by Amarok: Fri, 28 Aug 2020 - 15:02
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Lodesman
post Fri, 28 Aug 2020 - 16:40
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QUOTE (Amarok @ Fri, 28 Aug 2020 - 16:01) *
I have also just renewed my insurance with Admiral Multicover from 1st September 2020 and am off across Europe tomorrow so asked the question and was told that I might only need a green card after the end of the year, depending on the exit deal, so unless I was going for more than 4 months, then I was fine.

Obviously, 2021 is still during the term of the annual policy cover so perhaps the LV wording is not clear? Just a thought.

Richard


Could be, the website says green card not necessary for Europe but the Cert of Ins does say it is required - as it costs nothing I might as well get one and be on the safe side.
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cp8759
post Fri, 28 Aug 2020 - 17:22
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QUOTE (Lodesman @ Fri, 28 Aug 2020 - 15:40) *
I suggest that those who drive in Europe check their policies as to whether they now need a separate green card.

It's not really about the policy, it's more about what EEA states accept as evidence of insurance. If the EEA member states (either under a treaty with the UK or unilaterally) agree to recognise UK certificates of insurance, then a green card is not needed. If, from 1 January 2021, the EEA member states do not accept a UK certificate of insurance (which absent a treaty they are entitled to do), then you will need a green card to prove you have insurance cover.

There is a separate treaty that compels them to accept green cards.

Whether you do or don't have a green card does not however affect the validity of your insurance, as the green card simply summarises your cover in a document that is in an internationally recognised layout.


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Lodesman
post Fri, 28 Aug 2020 - 17:31
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QUOTE (cp8759 @ Fri, 28 Aug 2020 - 18:22) *
QUOTE (Lodesman @ Fri, 28 Aug 2020 - 15:40) *
I suggest that those who drive in Europe check their policies as to whether they now need a separate green card.

It's not really about the policy, it's more about what EEA states accept as evidence of insurance. If the EEA member states (either under a treaty with the UK or unilaterally) agree to recognise UK certificates of insurance, then a green card is not needed. If, from 1 January 2021, the EEA member states do not accept a UK certificate of insurance (which absent a treaty they are entitled to do), then you will need a green card to prove you have insurance cover.

There is a separate treaty that compels them to accept green cards.

Whether you do or don't have a green card does not however affect the validity of your insurance, as the green card simply summarises your cover in a document that is in an internationally recognised layout.

Thanks for that explanation - could my insurance insist that my uk cover is only valid abroad if I held a green card issued by them ?

Just curious.
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cp8759
post Fri, 28 Aug 2020 - 17:51
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QUOTE (Lodesman @ Fri, 28 Aug 2020 - 18:31) *
Thanks for that explanation - could my insurance insist that my uk cover is only valid abroad if I held a green card issued by them ?

Just curious.

If it said so explicitly in the terms and conditions then maybe, whether such a term would comply with the FCA rules around treating customers fairly is another matter. The Financial Ombudsman may well decide such a term is unfair and enforceable if it finds that that there's no difference in terms of risk / premium and the insurance company is just trying to wriggle out of paying a claim.

If on the other hand you had to pay an additional premium to obtain a green card, that would be different.


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roythebus
post Fri, 28 Aug 2020 - 22:51
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Remember too that your UK insurance only usually covers you for third party risks outside the UK unless you inform them and pay an additional premium.

I too live a short distance from the tunnel and often pop over the water (or under the water as I've got a Frequent Traveller ticket) for shopping/work/a few days rest. I suppose I'll need health insurance too from 1st January 2021 as the NHS card won't be valid in Europe.
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nigelbb
post Sat, 29 Aug 2020 - 06:55
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QUOTE (roythebus @ Fri, 28 Aug 2020 - 23:51) *
Remember too that your UK insurance only usually covers you for third party risks outside the UK unless you inform them and pay an additional premium.

I'm insured with LV & requesting the green card (which is free of charge) ensures that comprehensive cover applies while travelling in Europe.

This year I was actually in France when my policy renewed thus my green card expired so I emailed & asked if they could send me an electronic version of the green card. I had a response within 2 hours with PDF versions for both my vehicles & confirmation that paper versions would be posted. This was impressive customer service as it was a Sunday. The new green cards (no longer printed on green paper) were waiting for me on my return from abroad.


--------------------
British Parking Association Ltd Code of Practice(Appendix C contains Schedule 4 of POFA 2012 ) & can be found here http://www.britishparking.co.uk/Code-of-Pr...ance-monitoring
DfT Guidance on Section 56 and Schedule 4 of POFA 2012 https://www.gov.uk/government/uploads/syste...ing-charges.pdf
Damning OFT advice on levels of parking charges that was ignored by the BPA Ltd Reference Request Number: IAT/FOIA/135010 – 12 October 2012
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yen_powell
post Sat, 29 Aug 2020 - 09:02
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I had a green card for Morocco last century and they got a bit narked at the border crossing that it wan't on green paper. Mind you, the same people put my nationality down on a form as Irish because of the front title of a British Passport, 'UNITED KINGDOM OF GREAT BRITAIN AND NORTHERN IRELAND.'

They also offered local vehicle insurance that was very cheap although I imagine the claims procedure might have been a bit too much like hard work.
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Lodesman
post Sat, 29 Aug 2020 - 12:36
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Thanks for all your help.

I’ve always found that LV are pretty good when it comes to documents.
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