Help Category: Green Cards

What’s a Green Card?

Green Cards are an international certificate of insurance issued by insurance providers in the UK. They’re used to verify that the motorist has the necessary third-party motor insurance cover for driving in the country being travelled to.

Green Cards are guaranteed through agreements between the countries that issue them. With this agreement the driver’s insurer will honour any claims made against the policyholder for incidents taking place while they’re driving within the EU, EEA, Andorra, Serbia and Switzerland.

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Why would I need to carry a Green Card?

Under existing EU law (pre-Brexit), vehicles from countries that are part of the European motor insurance ‘free circulation zone’ can drive in the EU without carrying paper documents. All EU countries are automatically part of the ‘free circulation zone’, but non-EU countries must apply to be part of this system.

After Brexit UK might not be part of the ‘free circulation zone’ anymore. In this scenario, drivers would need to carry a Green Card document to prove they have valid insurance cover for their vehicle.

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Does this apply for driving across the Northern Ireland and Republic of Ireland border?

Yes.

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What happens if I travel outside the UK without a Green Card?

If this becomes a requirement, you’d be breaking the law. You could be accused of driving without insurance and be subject to a fine, having your vehicle seized or prosecution.

The only other legal option would be to purchase insurance locally when you arrive in the country (often known as ‘frontier insurance’). However, such insurance cover might not be widely available and could be more expensive than UK-issued policies so it’s better to utilise the Green Card that is recognised in all EU countries.

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Who can request a Green Card?

A policy holder or any authorised individual on the account.

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Does my Named Driver need to request a separate copy of the Green Card?

No. As long as the individual is listed as a Named Driver on your insurance policy, one Green Card detailing all insured drivers will be sufficient.

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How can I request a Green Card?

You need to contact the customer service centre on 0330 022 1000, Live Chat or email service@drivelikeagirl.com. Make sure you have your policy details (preferably your policy number) to hand as well as the dates that you’ll be travelling so that the advisers can easily process your request, posted to an address of your choosing.

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Can the Green Card be issued electronically?

Not at the moment, but the Council of Bureaux (COB) and the United Nations Economic Commission for Europe (UNECE) are considering the possibility of digitalising Green Cards.

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Is there a cost to request a Green Card?

No, we don’t charge for Green Card requests.

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When can I request a Green Card?

We’re now issuing Green Cards. This means you can prepare your travel for the period extending the Brexit date.

Due to the remaining uncertainty, we suggest you add in further two days to the validity period.

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