It is increasingly possible the United Kingdom will leave the European Union on the 31 January 2020 without a Withdrawal Agreement in place.
We recognise this is an uncertain time for you, our customers. That’s why we’ve put together the following FAQs on the impact a no-deal Brexit might have on your insurance policy.
If your question isn’t answered here, please contact us, or email Brexit@gcc.rsagroup.com
Please note there can always be a risk in sending personal information via email.
Q. I'm travelling to another European Union country. Would a no-deal Brexit affect my travel insurance policy?
Irrespective of the outcome of Brexit and the date of purchase of any travel insurance policy underwritten by AWP P&C, your insurance policy will remain valid subject to its existing terms and conditions:
• Your travel insurance will still cover any medical assistance required irrespective of any changes that might be made to European Heath Insurance Card (EHIC) status. Your cover will still be subject to normal disclosure of any pre-existing medical conditions.
• In the case of delay or disruption to travel, the first contact should be with the airline or travel provider. Customers who have purchased an ABTA protected trip or have used a credit card, will have additional consumer protection. You should also check if your travel insurance policy includes travel delay or disruption cover.
The Cancellation, Delay and Missed Departure sections of the MORE THAN policy covers specified perils only – for example poor weather; strike; industrial action or mechanical breakdown, so if a delay occurs that is not as a result of any of these perils - such as Brexit - then there is no cover.
Q. Will my EHIC card still be valid if the UK leaves the EU without a deal?
If the UK leaves the EU without a deal, your EHIC – which gives European citizens the right to access state-provided healthcare during a temporary stay in another European Economic Area (EEA) country or Switzerland - will no longer be valid.
If the UK leaves the EU with a deal, your EHIC should remain valid and in operation until December 2020.
For more information and latest updates on EHIC cards, please visit the NHS's Travelling in the EU, Norway, Iceland, Liechtenstein and Switzerland advice page.
Your travel insurance with us gives you the comfort of being covered for emergency medical treatment for the period you have to remain abroad. Please contact the 24-hour emergency helpline for assistance, if you need emergency treatment.
Q. Will I need to renew my passport before I go on holiday?
If the UK leaves the EU without a deal on 31 January, you will need at least six months left on your passport when you arrive at your EU destination. If this won’t be the case you will have to renew before you travel.
For further details about passport requirements and information on how to renew your passport please visit the government’s travel to Europe advice page.
Q. I’ve decided I don’t want to travel until this has all blown over. What are my options?
If you are still worried and would prefer not to travel at this time, let us know now and we may be able to ‘defer’ your insurance provided that the new holiday is taken within six months. If you decide that you would rather take your break outside the EU, we are happy to update your cover to your new destination for you if you pay the difference in premium, subject to our underwriter’s acceptance.
If you ultimately decide, for whatever reason, not to travel at all and you have a single trip policy and you have not made a claim or intend to make a claim, MORE THAN will be prepared to refund your premium in full.
Q. I have pet travel cover and I am travelling to another European Union country with my pet, does the UK voting to leave the European Union affect my cover?
Cover to travel under your pet insurance is reliant on you meeting the terms of the United Kingdom Government Pet Travel Scheme, known as PETS which is administered by DEFRA the Department for Environment, Food and Rural Affairs. It is possible that in the future, travelling with your pet may involve more planning.
To make sure your pet is able to travel from the UK to the EU after 31 January 2020 in any scenario, you should read the government’s most up-to-date guidance on pet travel to Europe.
DEFRA recommends contacting your vet at least four months before travelling to get the latest advice.
Q. Will I still be able to use my insurance to drive in other EU member states after Brexit?
A no-deal Brexit will mean that you will need to carry a physical document – known as a Green Card – to drive your vehicle insured under a MORE THAN policy in any EU country, Norway, Iceland, Switzerland, Serbia, Andorra or Liechtenstein from 31 January 2020.
If you intend to drive in any EU country, Norway, Iceland, Switzerland, Serbia, Andorra or Liechtenstein on or around the 31 October, or any time after that, you will need to call us at least three weeks before your departure to make sure you get your Green Card on time.
If you are a MORE THAN customer, the numbers to call are below:
• MORE THAN car - 0330 100 0593
• MORE THAN van - 0330 102 4501
• MORE THAN SMART WHEELS - 0345 072 4422
Calls may be recorded and monitored.
If the United Kingdom leaves the EU without transition arrangements in place, you will be legally required to carry a Green Card if driving in any EU country, Norway, Iceland, Switzerland, Serbia, Andorra or Liechtenstein. Failure to comply with these regulations could result in you being accused of driving without insurance and you may be fined, prosecuted or your vehicle seized.
This does not affect you if you hire a vehicle locally in one of the above countries.
Q. What is a Green Card?
The Green Card is issued by your insurance company and has information about your vehicle such as its licence plate number and demonstrates that you have the necessary minimum insurance cover in place to be on the roads. Drivers have to physically carry the Green Card, with them while driving.
Q. Does the UK voting to leave the European Union affect my European breakdown cover?
No, your breakdown cover will still work as usual across the EU if you have purchased the European breakdown option and are carrying your Green Card.
Q. Does the UK voting to leave the European Union affect whether I can drive in the EU with my UK driving licence?
If you are travelling in the EU before 31 January 2020, you can still use your UK driving licence to drive in any EU country, Norway, Iceland, Switzerland, Serbia, Andorra or Liechtenstein. If there is a no-deal Brexit and you are planning to be outside the UK on or after 31 January 2020, you will need to apply for an International Driving Permit (IDP) by visiting a Post Office before you travel.
You will need to be a GB or Northern Ireland resident, over 18 and have a full UK driving licence in order to be eligible. You should also check the minimum driving age of the country you’re going to – although the minimum age for driving a car in the UK is 17, other countries may have a different minimum age.
You can read the government’s most up-to-date guidance on international driving permits, including checking which Post Offices offer this service.