Brexit and Your Insurance

Wondering how Brexit will affect your insurance? 

Your Policy

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

While a Brexit withdrawal agreement has been confirmed, we're keeping a close eye on how trade negotiations may affect your insurance at the end of the transition period (31 Dec 2020). For regular news and updates, keep checking this page.

Most of our policies are not affected by Brexit, but if you’re travelling to or from Europe, you may find there are some changes after the transition period. 

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

Motor Insurance

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

As a Brexit withdrawal agreement has been confirmed, you’re able to drive in Europe as freely as you could before Brexit (including in the Republic of Ireland). However, this position could change at the end of the transition period (31 Dec 2020) once detailed trade negotiations are completed.

For now, and throughout 2020, 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.

As the post-Brexit withdrawal negotiations will be ongoing throughout 2020, there’s currently no official requirement to apply for a Green Card.  But if you would like a Green Card as a precaution, you can fill in your application.

If you’re towing a vehicle, you may wish to get two Green Cards, one for your car and one for your caravan or trailer.  If so, 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. 

There’s also no need to obtain an International Driving Permit. If this position changes at the end of the transition period, a permit can be obtained from the Post Office.

 
CARAVAN AND TRAILER INSURANCE

What about your caravan and trailer insurance policy?

As a Brexit withdrawal agreement has been confirmed, you don’t currently need a Green Card to tow your caravan or trailer abroad. However, this position could change at the end of the transition period (31 Dec 2020) once detailed trade negotiations are completed. If this happens, please contact your car insurer who may need to 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 won't be affected..

Your travel insurance won’t be affected now that a withdrawal agreement has been confirmed and travel to countries within Europe will continue as usual.  

Your European Health Insurance Card (EHIC) will remain valid until the transition period has ended (31 December 2020), entitling you to reduced cost or free state healthcare in the countries you visit.

For the time being, when travelling to Europe, you should continue to travel with a valid EHIC card. However, not all medical costs are covered by the EHIC agreement, so your travel insurance will cover you for all other medical expenses outside of that, including bringing you home if you are too unwell to complete your trip.

The position may change after the transition period. We will keep a close eye on developments. For updates on your travel cover, please keep checking this page.   

Breakdown cover

Your breakdown cover won't change...

Your breakdown cover won’t change.

If you have our European Assist cover, you’re protected against breakdown when driving in Europe.  


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, if you are planning to travel with your pet to Europe, ensure you have contacted your vet well in advance of your trip to confirm if additional vet checks and documentation are required before you leave. 

For the latest advice on travelling with your pet after Brexit, visit Gov.UK.