Leaving the EU & Green Cards

As the UK’s exit from the European Union (EU) is in transition until the 31st December 2020 (unless the Withdrawal Agreement is ended by Parliament earlier), there won’t be a need for Green Cards for any customers travelling outside of the UK with their vehicle before this date. We will be monitoring the Brexit situation over the coming weeks and should the need arise, we will let you know if the Green Card requirements change.

  • Arrangements for EEA policies underwritten prior to Brexit

    Lloyd’s is proposing to transfer certain policies to Lloyd’s Brussels. The proposed transfer will not change terms and conditions of any policy, except that Lloyd’s Brussels will become the insurer and Data Controller in respect of the transferred policies.

    Further information about the proposal (including whether it could affect EEA policyholders pre-transfer position), which policies are transferring, policyholder rights and what EEA policyholders need to do can be found at lloyds.com/brexittransfer.

  • Green Cards

    What is a Green Card?

    The Green Card is an international Certificate of Insurance, providing visiting motorists have the minimum compulsory insurance cover required by law of the countries subject to the Green Card free circulation area, as currently permitted within ERS policy wordings (see Foreign Use section).

    However, if the UK’s membership of the EU ends without a trade deal, from 31st December 2020 UK motorists will be required to carry a physical Green Card with their hard copy motor insurance certificate to both be presented when travelling through Europe. Without a Green Card, motorists run the risk of being denied access at the country borders, being fined for not having the proper insurance documentation or having their vehicle seized.

    The current requirements for Green Cards are as follows:

    • Must be supported with a valid Certificate of Insurance
    • Green Card must be presented in a hard copy (printed)
    • Can now be on green or white paper with black ink
    • Green Card must cover the period of travel

    Does the Green Card need to be on Green Paper?

    No, since 1st July 2020 the EU Commission agreed that the Green Card can be printed on either green or white paper with black ink and this was now acceptable by all participating countries.

    Can a customer show a digital copy of their Green Card at the border?

    No, a physical copy of a Green Card on plain A4 white or green paper is needed when travelling, as digital copies are not currently accepted. If customers arrive at the border without a physical Green Card on plain white or green paper, they will not be allowed to drive in that country. ERS are permitted to share a Green Card with policyholders in an electronic format, however, to be accepted at international borders they must be printed.

    What is ERS’ process for issuing a Green Card?

    Policyholders are advised to contact their insurance broker or intermediary to request a Green Card if they're travelling outside the UK in their insured vehicle during or after the 31st December 2020.

    Brokers can request a Green Card through accessing the dedicated ERS Green Card portal, which will produce a pdf version of the Green Card; this PDF will be emailed to the Broker to be printed.

    Please note this must be printed on A4 plain white or green paper to be valid and effective dates of cover must be within the period of insurance shown on the Certificate of Insurance.

    The Green Card will allow customers to drive in which countries in the EU after Brexit?

    If the customer is travelling outside the UK after the Brexit transition with their vehicle and foreign use is extension is covered by the policy coverage. Then the countries covered automatically by the Green Card are as follows:

    EU Countries: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain & Sweden

    EEA Countries: Andorra, Iceland, Liechtenstein, Norway, Serbia and Switzerland

    What if the customer wishes to travel outside of EEA countries?

    The Green Card Portal will only cover countries in the EEA, Andorra, Serbia and Switzerland as permitted currently within the ERS Policy (where applicable). If additional countries are required then a request will need to be made to greencards@ers.com stating the country that the customer wishes to visit.

    Will customers still be provided with motor coverage outside the UK after Brexit?

    ERS will continue to offer the extension our policy coverage within the EU as permitted. Please refer to the policy wording for the level of insurance cover and length of time permitted for any visit. However, going forward it will need to be supported by the issuance of a Green Card alongside a valid Certificate of Insurance.

    Do Policyholders need separate printed Green Cards for each trailer or Caravan?

    In some EU member states, a separate Green Card is needed for each trailer or caravan, which for further details you should refer to Dft. Where applicable, you should produce two Green Cards from our Green Card Portal (one for the towing vehicle and one for the trailer) if insurance cover is provided by ERS.

    When will access to the ERS Green Card Portal be available?

    The ERS Green Card Portal has been available since 14th March 2019 at ers.com/greencard - click on the dropdown option at the top of the screen entitled ‘Green Card Portal’.

    Having issues producing a Green Card through the portal?

    f you are experiencing problems producing the Green Cards through the ERS Portal (ers.com/greencard), then please send your query by email to greencards@ers.com and we will provide a response within 24 hours.

    What will happen if a policyholder drives abroad without a Green Card?

    It will be illegal to drive abroad without a valid Green Card from 31st December 2020. Motorists may be prosecuted, face penalties/fines, or have their vehicle seized.

    Will a Policyholder need two Green Cards if their policy expires during travel in EU after Brexit?

    If a Policyholder’s policy is due for renewal during the period of travel, they will be required to obtain two Green Cards - one for each ERS policy. The Green Card must align to the dates to shown on the Certificate of Insurance. If the policyholder changes insurer, they should ask both their ERS and their new insurer to provide a Green Card relating to the period of travel in EU.