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Impacts of a no-deal Brexit on Age Co customers

The UK's exit from the EU has now been delayed until at least 31 October or beyond. Much is up in the air and this is a fast-moving situation, where much is still unknown. Once the specific Withdrawal date is known, we will update this article but the below is based what we do know so far.

Car Insurance

At present, if you have an Age Co Car Insurance policy that allows you to drive within the EU, this will remain unchanged until the UK formally leaves the EU. This was expected to be at midnight on 29 March 2019 but has now been extended to at least 31 October. 

If you are planning to drive in the EU after that date, you do need to plan ahead in the event there is no deal. You will need to take a Green Card with you for certain countries, and also potentially obtain an International Driving Permit, or IDP.

What is a Green Card?

A Green Card is an international certificate of insurance, issued by insurance providers in the UK to prove that you have the minimum compulsory third-party motor insurance cover required by law for the country you’re visiting. Currently, this must be a paper document and not a digital version.

In addition to the basic cover the Green Card gives you, we provide you with insurance cover up to 180 days as specified in your insurance policy.

We will be able to provide you with a Green Card at no extra cost, but you will need to contact us 4 weeks before you travel to request one.

How to get hold of a Green Card?

To request a Green Card please call us on 0345 165 0914.
To make the call as easy as possible, please have the following information to hand:

  • Your policy number
  • The make, model and registration number of the vehicle you’re driving under your policy
  • The dates of when you plan to drive your vehicle outside of the UK
  • The countries you intend to drive in
  • Names and ages of any other drivers who you intend to drive your vehicle
  • Registration and/or chassis number, make and model of anything you intend to tow (e.g. a trailer or Caravan)

Where will your policy cover you after Brexit?

Once you have your Green Card, you will be covered for driving in the following countries after 29th March:
Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Spain, Sweden, Switzerland (incorporating Liechtenstein), Slovakia and Slovenia.

What is an International Driving Permit (IDP)?

An International Driving Permit is a permit that allows you to drive in countries where a UK licence alone is not sufficient.

There are two types of IDP required by EU countries, each governed by a separate United Nations convention. More information about the requirements can be found here on the Department for Transport website.

An IDP costs around £5.50 and is available from the Post Office, which also has a useful tool to help you look up requirements for individual countries. https://www.postoffice.co.uk/international-driving-permit

Please remember to take your UK driving licence with you when driving in the EU, as you will need this as well as the relevant IDP.

Please note that this is not an insurance requirement and therefore not a document provided by your insurance policy.

Travel Insurance

The UK is scheduled to leave the EU. If it does so on a no-deal basis, travel to and from the UK could be affected. There could be delays at exit and entry points, the European Health Insurance Card (EHIC) will no longer be valid, and entry requirements to EU countries may differ. 

We have put together a Q&A below to address what you may need to know about the specific cover under the Age Co Travel Insurance policy, as well as general travel advice.

Will my travel insurance still be valid in the EU?

Yes, your travel insurance will still be valid. Your cover will remain the same and you will receive exactly the same service and care should you require emergency medical treatment while you are in an EU country.

What happens if there is travel disruption caused by Brexit?

Should Brexit cause travel disruption, primary responsibility for offering travellers alternative transport or refunds rests with the airlines and travel companies, so in the first instance you should contact your travel provider.

I don’t want to travel to Europe now; can I cancel my trip and claim?

Cancellation cover is for specific reasons only. No longer wishing to travel is not one of the reasons you can make a cancellation claim.

What if I’m delayed getting to my transport because of long queues?

Missed Departure cover only applies in specified circumstances that lead to you arriving at your international or final departure point too late to board your booked transport. The circumstances covered do not include being delayed because of long queues. As longer queues are expected, you should make sure you take this into account and leave enough time in your travel plans.

What if my transport is delayed or cancelled?

The Delay section under the Age Co policy provides cover if the transport on which you are booked to travel for your outward or return journey is delayed or cancelled for reasons which you (or the tour operator) cannot control. You will receive either £20 per 8 hours of the delay, or up to £5,000 (for travel and accommodation costs only) for cancellation if after a 12-hour delay you decide not to continue with your trip. If there is travel disruption you should contact and follow the recommendations of your transport provider.

If I need medical treatment abroad, can I still use my EHIC?

If the UK leaves the EU without a deal in place, and in the absence of a specific agreement to say otherwise, the European Health Insurance Card (EHIC) will no longer apply. This makes it even more important that you have appropriate travel insurance in place to cover medical costs while you are travelling in an EU country, in the same way as you would when travelling to a non-EU country. As the EHIC will no longer be valid, should you have to make a medical expenses claim, an excess of £75 will apply to your claim (this was previously waived if an EHIC was used).

If EHIC will no longer be valid, will we go back to the E111?

No, they are the same thing; the E111 became the EHIC in 2006. If there’s a no-deal Brexit, there will be no equivalent or alternative to the EHIC. They only way for travellers to protect themselves against costs for medical treatment is to take out travel insurance.

Can I still get compensation from my airline if my flight is delayed or cancelled?

Yes. According to the CAA, the rights to compensation under the EU Flight Compensation Regulation will continue to apply to passengers departing from the United Kingdom to an airport situated in the territory of an EU member state, as long as the airline has an operating licence granted by an EU member state. You can find more information about your rights and how to make a claim on the CAA website: https://www.caa.co.uk/passengers/resolving-travel-problems/delays-and-cancellations/

Will I need a visa to travel to the EU after Brexit?

The European Commission has confirmed that from 2021, UK citizens would have to pay €7 for a travel permit, as part of the European Travel Information and Authorisation Scheme (Etias). Travellers will register their details and pay the fee in advance of travel (at least 72 hours before departure is advised), to obtain Etias authorisation.

Is my passport still valid?

Yes. However for travel after Brexit, the government is recommending that UK travellers have at least six months left on their passports from the date of arrival in an EU country. If a 10-year adult passport was renewed before it expired, extra months may have been added, which do not count towards the required six months remaining. You may wish to renew your passport sooner rather than later to make sure you have it in time for your holiday or travel plans.

If I am stranded abroad beyond my scheduled return date, will my policy still cover me?

Yes. We will extend the period of insurance by up to 60 days, at no extra cost, if you have to stay on your trip longer because of events that you have no control over.

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