We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Motor insurance post Brexit
Comments
-
You usually need to select fully comp as an add on. You get TPFT as standard in the EU usually but that's all.
None of the policies I've had have included TPFT when driving in the EU. They have covered TP only (as this is what the law requires them to do) but not any cover for fire or theft.0 -
Why on earth should there be a problem? If an insurer says they will cover you in another country then they will cover you in another country.
A contractual arrangement has stuff all to do with Brexit. This seems to be some invented anxiety.
No, the standard cover currently is based on us being a member of EU. Once we're a 3rd country the insurance requirement will lapse but if we have a transition will continue until other agreement in place. This is the wording from my policy:
European Car Insurance Cover: This Certificate is valid for Great Britain, Northern Ireland, Isle of Man and Channel Islands; any other
country which is a member of the European Union and Norway, Switzerland, Iceland, Croatia, Andorra and Liechtenstein.shaun_from_Africa wrote: »None of the policies I've had have included TPFT when driving in the EU. They have covered TP only (as this is what the law requires them to do) but not any cover for fire or theft.
My policy gives fully comp cover across EU as above.You usually need to select fully comp as an add on. You get TPFT as standard in the EU usually but that's all.
That's not correct, if your policy is fully comp then it applies across EU as per above. This is not an add on to my policy.Remember the saying: if it looks too good to be true it almost certainly is.0 -
No, it's not.No, the standard cover currently is based on us being a member of EU.
No, it won't.Once we're a 3rd country the insurance requirement will lapse
Yes, it does - because that's a commercial decision of your particular insurer.but if we have a transition will continue until other agreement in place. This is the wording from my policy:
European Car Insurance Cover: This Certificate is valid for Great Britain, Northern Ireland, Isle of Man and Channel Islands; any other
country which is a member of the European Union and Norway, Switzerland, Iceland, Croatia, Andorra and Liechtenstein.
My policy gives fully comp cover across EU as above.
Yes, it is - whether it's an optional one or one the insurer have chosen to provide as standard.That's not correct, if your policy is fully comp then it applies across EU as per above. This is not an add on to my policy.
The legal minimum cover must, however, apply to all countries who are signatories to the UN Vienna Conventions on Road Traffic. No UK insurer can refuse that.
The UK is currently a signatory indirectly, as a member of the EU. However, the UK government plan to become a direct signatory as part of brexit.0 -
No, the standard cover currently is based on us being a member of EU. Once we're a 3rd country the insurance requirement will lapse but if we have a transition will continue until other agreement in place. This is the wording from my policy
Insurance is covered by the Vienna Convention. You will be covered by all other signatories regardless of the actual wording on your policy.0 -
No, the standard cover currently is based on us being a member of EU.No, it's not.
Yes, it is.
The only reason that UK motor insurance companies provide the minimum legally required insurance when driving in other EU countries is because of an EU directive (2009/103/EC).
https://eur-lex.europa.eu/legal-content/EN/ALL/?uri=celex%3A32009L0103
This directive clearly states that:(8) Such a guarantee agreement presupposes that all Community motor vehicles travelling in Community territory are covered by insurance. The national law of each Member State should, therefore, provide for the compulsory insurance of vehicles against civil liability, such insurance to be valid throughout Community territory.(12) Member States’ obligations to guarantee insurance cover at least in respect of certain minimum amounts constitute an important element in ensuring the protection of victims.
If/when the UK is no longer a member state of the EU, their obligations under EU 2009/103/EC no longer apply so insurance companies will not have to automatically provide insurance for UK insured vehicles when travelling in the EU.0 -
And I repeat... United Nations, Vienna Conventions on Road Traffic.
I did a lot of digging on this a few years back, whilst driving around the Balkans for a summer. At the time, I managed to get a slightly spurious free pass into Montenegro, because they'd only just separated off from Serbia, when Serbia became a signatory.0 -
Hermione_Granger wrote: »Yes, it is.
The only reason that UK motor insurance companies provide the minimum legally required insurance when driving in other EU countries is because of an EU directive (2009/103/EC).
https://eur-lex.europa.eu/legal-content/EN/ALL/?uri=celex%3A32009L0103
This directive clearly states that:
If/when the UK is no longer a member state of the EU, their obligations under EU 2009/103/EC no longer apply so insurance companies will not have to automatically provide insurance for UK insured vehicles when travelling in the EU.
What about or obligations under the Gienna Convention that we signed in 1968? That is ratified on EU exit (we haven't ratified it yet as we don't need to. EU directives cover it's requirements).
That convention requires insurers to provide cover across all signatories.0 -
-
And I repeat... United Nations, Vienna Conventions on Road Traffic.
I did a lot of digging on this a few years back, whilst driving around the Balkans for a summer. At the time, I managed to get a slightly spurious free pass into Montenegro, because they'd only just separated off from Serbia, when Serbia became a signatory.What about or obligations under the Gienna Convention that we signed in 1968? That is ratified on EU exit (we haven't ratified it yet as we don't need to. EU directives cover it's requirements).
That convention requires insurers to provide cover across all signatories.
I take it you've never read the convention then?
The only time insurance is ever mentioned in the convention is to say this:8. Nothing in paragraphs 3, 5 and 7 of this Article shall affect the right of a
Contracting Party to make the admission to its territory in international traffic
of motor vehicles, trailers, mopeds and cycles, and of their drivers and
occupants, subject to its regulations concerning the commercial carriage of
passengers and goods, to its regulations concerning insurance of drivers against
third-party risks, to its Customs regulations and, in general, to its regulations
on matters other than road traffic.
Which just means nothing in those sections affect the signatory's right to deny entry of vehicles to its territory if they fail to meet that signatory's insurance requirements.You keep using that word. I do not think it means what you think it means - Inigo Montoya, The Princess Bride0 -
The government pr!cis gives these details
"By ratifying the Convention, the UK will therefore ensure that drivers can continue to travel as they do now in EU member states post-Exit."
Stopping insurance wholesale would certainly render that untrue0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.3K Work, Benefits & Business
- 599.5K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards