In the event of a ‘no deal Brexit’, motor insurance customers wishing to drive their vehicle to the European Union (EU), European Economic Area (EEA), Andorra, Serbia or Switzerland after the UK leaves the EU, will have to obtain a Green Card. A Green Card is an international certificate of motor insurance that is accepted in countries which are part of the Green card scheme.
Motor insurers and/or their brokers should inform consumers of the necessity of green cards in relevant countries. You should ensure you communicate in enough time, being clear about the process necessary to obtain a green card, for customers to be able to receive one before exit day if required.
Green cards may be invalid if they are not in the correct colour and format. Brokers should consider consumers’ ability to obtain a green card in the correct colour and format and, where appropriate, consider proactively providing them to your customers. Brokers should assess, and if appropriate, take steps to ensure that any operational changes necessary for the production of green cards are in place.
Green Cards will be required for each individual vehicle and trailers over 750kgs or braked. This means that customers need a separate Green Card for caravans and trailers.
Multiple green cards might be required if:
- the haulier has fleet insurance – one green card would be required for each vehicle
- the haulier’s vehicle is towing a trailer – one green card would be needed for the towing vehicle and one for the trailer (some countries have a separate trailer insurance)
- the haulier has two policies covering the duration of the trip, for example if the policy renews during the journey
The Gibraltar Government website clarifies that drivers of vehicles entering Gibraltar must be in possession of a green card valid for any EU country; or UK Certificate of Motor Insurance; or Certificate of Motor Insurance issued in accordance with Gibraltar law. Current registration documents and driving licences are also a requirement. Further information can be in this public guidance document.