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Impacts of a no-deal Brexit on Age Co customers

| Insurance

The official Withdrawal date of the UK exit from the EU has been set for 31 January 2020. This is yet to be ratified by Parliament. In terms of the detail of what this will mean, much is up in the air and this is a fast-moving situation, where much is still unknown. However, we do know that the Prime Minister has set a target date for a trading agreement by 31 December 2020 and we won’t really know the full outcome for UK drivers until this is agreed. We also expect there to be an implementation period where UK nationals will be able to travel as now - until at least 31 December 2020.

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.

Government advice has not been updated since August 2019. At present, we therefore do not expect any changes to requirements for driving in the EU until the end of the implementation period at least. If at the end of the implementation period (31 December 2020) there is no deal between the UK and EU, you will need to take a Green Card with you for certain countries, and also potentially obtain an International Driving Permit, or IDP. We would also recommend that you take your vehicle’s V5C log book.

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:
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

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

If after the transition period (expected 31 December 2020) the UK leaves the EU without a trading agreement 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.


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.


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. If you plan to stay longer than 90 days, you may need a visa or permit to stay for longer. If this is the case, we recommend that you check with the embassy of the country where you plan to travel for what type of visa, if any, you will need.

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.

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