Help Category: Green Cards

What’s a Green Card?

Green Cards (or International Motor Insurance Certificates, IMICs) 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, Bosnia & Herzegovina, Serbia and Switzerland.

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Why would I need to carry a Green Card?

The UK has now left the EU so drivers are required to carry a Green Card to prove they have valid insurance cover for their vehicle whilst driving within the EU, EEA, Andorra, Bosnia & Herzegovina, Serbia, and Switzerland.

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Who can request a Green Card?

A policyholder 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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Is there a cost to request a Green Card?

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

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How long before travelling should I request my Green Card?

A Green Card should be requested at least 6 weeks before your departure date, but we recommend you to process your request as soon as you know the dates that you intend to travel.

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What happens if I’m involved in an accident abroad that I might be fully or partly responsible for? Do I need to contact my insurer?

You need to take the same action as you would in the UK: stop safely at the scene, take everyone’s details, observe the scene and make notes – and contact us as soon as possible. You need to ask for the insurance details of the other drivers and gather as much evidence as possible about what happened, including taking pictures.

Please note if you have an accident whilst outside the UK and don’t have a Green Card or it has expired, your policy will not cover you.

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What help will I receive if I’m involved in an accident while driving abroad?

Through the Green Card scheme, the UK has well-established relationships with motor insurers in each EU country to facilitate the settlement of claims for any incidents involving cross-border drivers.

UK residents involved in a road accident need to make a claim against either the driver or the insurer in the EU/EEA country where the accident happened. This could mean making the claim in the local language.

In the event of an accident in an EU/EEA country caused by an uninsured or an untraced driver, UK residents might not receive compensation. This will vary from country to country.

Please visit the government website for more information.

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Can I still take my pet with me on the trip?

You won’t be able to use the existing pet passport scheme. Instead, you’ll need to follow a new process which takes approximately 4 months – so you need to be prepared well ahead of time. Please visit the government website for more information about the new pet travel scheme.

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

You must carry a Green Card or you could be accused of driving without insurance and be subject to a fine, having your vehicle seized, or prosecution.

If you have an accident whilst outside the UK and don’t have a Green Card or it has expired then your policy will not cover you. This means you need to prepare for any trip well in advance.

The only other legal option to a Green Card, 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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