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In the first of our “BREXIT – what if there is no deal?” series, we look at the implications for operators on motor insurance, by examining the relevant technical notice published in September 2018 by the DfT which sets out what it plans to put in place.
The UK has long adhered to EU motor insurance directives to ensure that insurance policies and standards are valid and adhered to within the European Economic Area. Consequently, protection is secured for victims of road traffic accidents.
A result of countries complying with these directives is what has come to be known as the Green Card-Free Circulation Area.
Green Cards
The Green Card is a certificate of insurance and stands as proof that the holder has the appropriate third part motor insurance to drive in the country to which they are heading. All certificates have the same format; they are green in colour and list the countries for which the motorist’s insurance policy is valid. Currently, this is all EEA Member States, and the countries of Andorra, Serbia and Switzerland.
By complying with the relevant EU directives, the UK has become part of the Green Card-Free Circulation Area. Within this area, draconian checks of motorist’s Green Cards have been abolished at the border of Member States.