Motor insurance post Brexit

worried_jim

AndyMc..... wrote: »

What the point in sending scenes of crime to a plant theft?

Tyre tracks left by caravans?

AndyMc.....

worried_jim wrote: »

Tyre tracks left by caravans?

That would be counterproductive.

Joe_Horner

It's ok, because the European third party cover that all UK policies have is an EU requirement, not a goodwill gesture by the companies.

So, unless the government gets it act in gear re agreements, once we leave they can just make it a chargeable extra again

dacouch

Joe_Horner wrote: »

It's ok, because the European third party cover that all UK policies have is an EU requirement, not a goodwill gesture by the companies.

So, unless the government gets it act in gear re agreements, once we leave they can just make it a chargeable extra again

There are a lot of laws brought in by the EU that have enhanced cover for UK drivers and especially for third parties.

The Motor Insurance Database the Police use so effectively being one of them.

50Twuncle

British drivers will be able to use their existing insurance policies when travelling in Europe after Brexit, UK officials have confirmed.
https://www.ft.com/content/439d196c-59b0-11e8-bdb7-f6677d2e1ce8

Nobbie1967

Joe_Horner wrote: »

It's ok, because the European third party cover that all UK policies have is an EU requirement, not a goodwill gesture by the companies.

So, unless the government gets it act in gear re agreements, once we leave they can just make it a chargeable extra again

Good,

So those that need the cover will pay for it and those that don't won't. Sounds like a fairer system to me🙂

iainscomputer

The UK is part of the green card insurance scheme, but we only seem to get cover in the EU. There are countries in the scheme which are outside the EU. Morroco, Russia, Turkey, Iran & others.
But UK insurers will not cover U.K. cars in those countries even 3rd party only.
We drove to Greece & had to buy insurance at the border to enter Montenegro & Kosovo, the same thing happened when we drove through Morocco on a banger rally in 2005.

3rd party only cover should at least be provided for countries in the Green card scheme.

AdrianC

50Twuncle wrote: »

But the Romanian and Bulgarians who get caught with no insurance, driving in the UK simply get a smacked wrist

No, they don't.

They get a date in court, a big fine, and banned from driving in the UK.

Anyway, going back to the basic premise of this thread, the cross-national validity of car insurance is nothing to do with the EU. It's the Vienna Conventions on Road Traffic, drawn up by the United Nations, and ratified by a whole raft of countries - EU and non-EU. Anywhere outside that needs green card cover, which your insurer might or might not issue. Within Vienna countries, no green card is needed.

The Vienna conventions (among a lot of other things) say that car insurance in any signatory country must be accepted by any other signatory country. BUT they only cover legal-minimum, "third party". Anything on top of that is 100% down to your insurer. And UK insurers have always been FAR stingier than those of other EU countries, thanks to the risible "small island" mentality long prevalant in this country.

gabitzul

AdrianC wrote: »

No, they don't.
They get a date in court, a big fine, and banned from driving in the UK.

And rightly so.

Lazy policing is an issue though (or under funding).

PS I am Romanian. Other EU nationalities are available.

Arklight

You usually need to select fully comp as an add on. You get TPFT as standard in the EU usually but that's all.