Brexit and Your Insurance

Wondering how Brexit will affect your insurance? 

Your Policy

Let's start with Brexit and your policies...

Brexit is a changing situation but don't worry, we're keeping a close eye on it. For regular news and updates, keep checking this page.

Most of our policies won’t be affected by Brexit, but if you’re travelling to or from Europe, you may find there are some changes. 

You do not currently need a Green Card to drive in Europe. However, if you’d like one just to be prepared, please see the motor insurance section below for details. 

So, before we get started, please note that your home and landlord insurance policies with us will not be affected by Brexit. 

Motor Insurance

Next up, your car, motorbike or classic car insurance policy...

If a Brexit deal is agreed, you’ll be able to drive in Europe as freely as you can now. So, if you have European cover (shown as ‘Foreign Use’ on your policy schedule), you’re all set to go with cover for up to 180 days. So, don't go cancelling that road trip.
 
In the event of a ‘no deal’ Brexit, you’ll need a Green Card as evidence that your motor insurance meets EU requirements, when taking your car to Europe (including Ireland). Without a Green Card, you might not be permitted to enter Europe, or you could face a fine if stopped by the police.

As Brexit negotiations are still on-going, there is currently no official requirement to apply for a Green Card.  If you’re planning on driving in Europe in the near future, you can get a Green Card as a precaution.

If you need a Green Card for your car only, please click here to request one.

If you’re towing, you’ll need two Green Cards, one for your car and one for your caravan or trailer.  Please email us at [email protected] with the following:

  • Your policy number and vehicle registration of your car
  • The make of your caravan or trailer
  • The registration number of your caravan or trailer (if they’re registered separately)


Please allow enough time for your Green Card to arrive. We’ll post it 1st Class on the next working day.


Green Cards are valid until your next policy renewal date, so you can travel as much as you like on the same Green Card. 

In the event of a ‘no deal’ you’ll also need to obtain an International Driving Permit which is available from the Post Office.

 
CARAVAN AND TRAILER INSURANCE

What about your caravan and trailer insurance policy? 

If there's a 'no deal' Brexit, you may need a Green Card to tow your caravan or trailer abroad. If this happens, please contact your car insurer who will provide separate Green Cards for your car and for your caravan or trailer.

If your car insurance is with LV and you’re planning on driving in Europe, you can get a Green Card as a precaution.

Please follow the instructions under the motor insurance section above to order your Green Card.

Please allow enough time for your Green Card to arrive. We’ll post it 1st Class on the next working day.

 

Travel Insurance 

Your travel insurance could be affected too...

If a deal is agreed, Brexit won’t disrupt travel to EU countries. In the event of a ‘no deal’ Brexit, there could be travel disruptions.

If your trip is cancelled due to Brexit disruption, here’s who you can contact: 


  • If you booked a package holiday with a tour operator or travel agent, they should provide a refund or make alternative arrangements
  • If you booked a trip direct with an airline, you should be entitled to a refund. Whether you get a refund from your hotel or accommodation provider will depend on their terms and conditions
  • Alternatively, you may be able to claim back costs from your credit card provider or PayPal


If you can’t get a refund from anywhere else, and you have our Premier travel insurance, you’re covered for cancelled holiday costs (up to £10,000). 

Not sure if you have LV= Premier travel insurance? Have a read of your policy documents. 
If there's a ‘no deal’ Brexit and travel disruptions are reported in the media, the disruption becomes a 'known event'. So, if you book a trip or buy a new policy after that time, any Brexit related travel disruption claims won’t be covered by us.

If you're an existing Premier customer and your trip is booked before the disruption becomes a 'known event' you'll still be covered by us. 

If a Brexit deal is agreed, EHIC cards should remain in operation until December 2020, entitling you to reduced cost or free state healthcare in the countries you visit. 

In the event of a ‘no deal’ Brexit, your EHIC will no longer be valid. However, if your travel insurance is with us, we'll still cover you for emergency medical costs (up £10 million). 



Breakdown cover

Your breakdown cover shouldn't change...

If you have our European Assist cover, you’re protected against breakdown when driving in Europe. We’re currently working with our European agent to make sure our service isn’t affected. For news and updates keep checking this page.
Pet Insurance

Finally, let's talk about your pet insurance policy

Following Brexit, your pet will continue to be covered abroad as it is now, but, you may just need some additional vet checks and documentation before the authorities will allow you to travel with your pet in Europe.