Driving to Europe after Brexit? Here's when you'll need to ask your insurer for a green card

AdrianC

poppasmurf_bewdley wrote: »

All of which supports what I said about the British Electorate not being consulted.

But it does go against your claim of "many" (a quarter, all of whom passed it).

As for the 2011 European Union Act, let's not forget that the European Union(Withdrawal) Act 2018 does not come into effect until THE MOMENT we leave the EU on 29th March so the 2011 Act will be irrelevant.

Nope, it came into effect on 26th June last year.

poppasmurf_bewdley

AdrianC wrote: »

Nope, it came into effect on 26th June last year.

That's when it received the Royal Assent, not when it comes into effect.

AdrianC

poppasmurf_bewdley wrote: »

That's when it received the Royal Assent, not when it comes into effect.

Both. The European Communities Act 1972 is subject to a repeal delayed to "exit day", by EU(R)2018, which passed into law on 26th June 2018.
https://www.legislation.gov.uk/ukpga/2018/16/section/1


The formal date of repeal of EU2011 was 4th July 2018.
https://www.legislation.gov.uk/ukpga/2011/12

[Deleted User]

I drove to Ireland (Republic of) last Autumn and I didn't even tell my insurance company never mind get a green card. :T

waamo

Deleted_User wrote: »

I drove to Ireland (Republic of) last Autumn and I didn't even tell my insurance company never mind get a green card. :T

You wouldn't have needed a green card.

peterbaker

waamo wrote: »

Insurance isn't that complicated and if you don't understand it how do you manage each year come renewal time for your vehicle or household insurance?

Not complicated? Says you! It is actually extremely complicated because unlike the 1960s, so few competitor wordings are the same and so few insurers' ideas of fair claims practice are similar. How on earth are mere customers supposed to know how to handle that when a claims handler, especially a third party outsourced claims handler says No? Answer - they can't.

I manage because I was responsible for all classes of insurance at my employer and decided to become highly professionally qualified in the subject at an early age! My few claims are always paid else I wouldn't make them. I have a number of times ended up educating large parts of the system in the process. What's your excuse for poo-pooing the problems?

waamo wrote: »

I drove to Ireland (Republic of) last Autumn and I didn't even tell my insurance company never mind get a green card.

You wouldn't have needed a green card.

What would he need to have checked though and how might it be different with No Deal??

waamo

Are you seriously saying that unless you are an expert in the field you can't understand purchasing insurance? How on earth do is mere mortals who go to none EU countries cope?

I would also suggest an EHIC card is no substitute for adequate insurance as the EHIC scheme does not cover a multitude of circumstances such as repatriation it needed. Nor does it cover additional costs such as food, accommodation and other incidentals if you are unable to return home on time due to illness or injury.

Sadly you appear to believe people are unable to understand this.

As for what is needed in the event of no deal we will have to wait and see. We don't know the final details yet and my crystal ball is in for repair.

Brexit has many issues and problems but frankly having to obtain a green card for proof of insurance isn't really one of them.

peterbaker

waamo wrote: »

Brexit has many issues and problems but frankly having to obtain a green card for proof of insurance isn't really one of them.

Of course it is. It wasn't an obstructive piece of bureaucracy that threatened to make a simple UK motorist a criminal in EU before Brexit, was it? It is now just one of a myriad of problems you cannot scope because of the total uncertainty created by the Brexit crisis. So yes, you very much need to be able to research like an expert to negotiate all the problems that might now befall you as simple tourist - or you can just hand the problem to a trusted particularly clued up insurance broker and pay what your are asked.

I note the use of the "all things to all men" type words "adequate insurance" now. What do you think that meant in terms of our friend who drove to Ireland without telling his insurer, perhaps you'd like to compare and contrast your response with what might happen if he calls and orders a green card to do the same again after 29 March this year. What's the situation if the ferry sinks for example? Does he need cover for that? Does he already have it? Did he last time?

And if he already had an EHIC, what travel insurance might he have needed if he stayed with relatives and the ferry cost was a special deal which he wasn't too bothered about losing if he had had to cancel? Clue - some insurance would still be a good idea, but what cover in particular? I didn't say that EHIC obviates the need for all forms of travel insurance but until 29 March, it saves you reaching a State hospital or medical centre and first having to prove a means of payment.

Yes many ordinary tourists reading this would know that too, but they would be very unlikely to be able to list their own needs, let alone match them well to their insurance options in the marketplace. What usually happens is that punters buy either a 'European countries only' or a more expensive 'Worldwide' package, without really knowing what's in it besides broad difference in the geographical limits.

Are you seriously saying that unless you are an expert in the field you can't understand purchasing insurance? How on earth do is mere mortals who go to none EU countries cope?

Yes I am saying personal insurance policies are very poorly understood by customers. As for taking the car abroad, I don't know too many who take their cars beyond EU, do you? How many think they can drive other cars in UK and think they have comprehensive cover when they do? How many think the fact EU minimum cover is, for another 43 days at least, standard in all EU policies, includes own damage cover? How many expect to have to pay for a Green Card? Will they be right?

And those of you mere mortals who fly to exotic non-EU venues - which parts of the travel insurance package cover do you think are easiest to navigate and understand? How might they respond to groundings due to Icelandic volcanic ash for example?
Pilot shortages at Ryanair? Deicing cancellations at Stansted? A helicopter transfer from up a mountain in a ski resort to ambulance or hospital in the valley as opposed to the cheaper bloodwagon? Off piste accidents? Injury following hitching a ride on skidoo? Or whilst scuba diving? Snorkelling? Rock climbing? Hiking in the Alps? Parascending in Ibiza? Water skiing? How about a jet ski? Riding a towed inflateable? How about a motorcycle in Kos or In Bruges? Cover for what may have happened after you had a couple of beers up the mountain or at the karaoke bar? Age limits to policies? Pre-existing conditions? Maximum Daily Limits to Delay cover? Total limits? Maximum baggage cover per item? Valuables and electronic devices? In the hold? In your cheap package 20m2 "apartment" i.e. single room with wc? In a safe? Not in a safe? Is a roomsafe ok?


Which insurance sections are hardest to pin down? What about repatriation following hospitalisation - how's that actually work for you if it happens? Who organises it? Can they be automatically trusted to follow your wishes or those of your family who want you transferred to a hospital closer to home today, tomorrow, next week? In a private ambulance aircraft? By road?

Travel insurance has been a lottery for donkeys years hasn't it? Typically what percentage of travellers needs to claim on their travel insurance? How many rely on travel insurance that comes with their bank account and know the extent of it?

What percentage of claimants get their claims paid in full? What typical excesses apply? Of the punters who get their claims denied or who give up, how many believe they have been specifically ripped off such that they arrive in forums like MSE to complain? Or do most people just take the rebuttal on the chin as "typical of insurance", decide they can't fight it/didn't know what better insurance deal they could have bought to have avoided the problem, so forget it and move on? Rather a lot in the latter category I think.

Brexit will just give the more unscrupulous insurers extra opportunity to deny claims based on lack of customers' proper understanding of what extra they must do to satisfy the foibles of the new environment, whether it will be a No Deal environment or not ...

waamo

peterbaker wrote: »

Of course it is. It wasn't an obstructive piece of bureaucracy that threatened to make a simple UK motorist a criminal in EU before Brexit, was it? It is now just one of a myriad of problems you cannot scope because of the total uncertainty created by the Brexit crisis. So yes, you very much need to be able to research like an expert to negotiate all the problems that might now befall you as simple tourist - or you can just hand the problem to a trusted particularly clued up insurance broker and pay what your are asked.

I note the use of the "all things to all men" type words "adequate insurance" now. What do you think that meant in terms of our friend who drove to Ireland without telling his insurer, perhaps you'd like to compare and contrast your response with what might happen if he calls and orders a green card to do the same again after 29 March this year. What's the situation if the ferry sinks for example? Does he need cover for that? Does he already have it? Did he last time?

And if he already had an EHIC, what travel insurance might he have needed if he stayed with relatives and the ferry cost was a special deal which he wasn't too bothered about losing if he had had to cancel? Clue - some but what cover in particular? I didn't say that EHIC obviates the need for all forms of travel insurance.

Yes many ordinary tourists reading this would know that too, but they would be very unlikely to be able to list their own needs, let alone match them well to their insurance options in the marketplace. What usually happens is that ounters by either a European countries only or a more expensive Worldwide package, without really knowing what's in it besides broad difference in the geographical limits.

Yes I am saying personal insurance policies are very poorly understood by customers. As for taking the car abroad, I don't know too many who take their cars beyond EU, do you? How many think they can drive other cars in UK and think they have comprehensive cover when they do? How many think the fact EU minimum cover is, for another 43 days at least, standard in all EU policies, includes own damage cover? How many expect to have to pay for a Green Card? Will they be right?

And those of you mere mortals who fly to exotic non-EU venues - which parts of the travel insurance package cover do you think are easiest to navigate and understand? How might they respond to groundings due to Icelandic volcanic ash for example?
Pilot shortages at Ryanair? Deicing cancellations at Stansted? A helicopter transfer from up a mountain in a ski resort to ambulance or hospital in the valley as opposed to the cheaper bloodwagon? Off piste accidents? Hitching a ride on skidoo? Scuba diving? Snorkelling? Rock climbing? Hiking in the Alps? Parascending in Ibiza? Water skiing? Riding a towed inflateable? Cover for what may have happened after you had a couple of beers up the mountain or at the karaoke bar? Age limits to policies? Pre-existing conditions? Maximum Daily Limits to Delay cover? Total limits? Maximum baggage cover per item? Valuables and electronic devices? In the hold?


Which insurance sections are hardest to pin down? What about repatriation following hospitalisation - how's that actually work for you if it happens? Who organises it? Can they be automatically trusted to follow your wishes or those of your family who want you transferred to a hospital closer to home today, tomorrow, next week? In a private ambulance aircraft? By road?

Travel insurance has been a lottery for donkeys years hasn't it? Typically what percentage of travellers needs to claim on their travel insurance? How many rely on travel insurance that comes with their bank account and know the extent of it?

What percentage of claimants get their claims paid in full? What typical excesses apply? Of the punters who get their claims denied or who give up, how many believe they have been specifically ripped off such that they arrive in forums like MSE to complain? Or do most people just take the rebuttal on the chin as "typical of insurance", decide they can't fight it/didn't know what better insurance deal they could have bought to have avoided the problem, so forget it and move on? Rather a lot in the latter category I think.

Brexit will just give the more unscrupulous insurers extra opportunity to deny claims based on lack of customers' proper understanding of what extra they must do to satisfy the foibles of the new environment, whether it will be a No Deal environment or not ...

Jeez you make a simple holiday abroad sound like something from CERN.

You are, frankly, being utterly ridiculous.

AdrianC

waamo wrote: »

Jeez you make a simple holiday abroad sound like something from CERN.

You are, frankly, being utterly ridiculous.

It's very simple.

You want to go to France by car?

For the last few decades: Do nothing bar get on the ferry or train. Totally legal.

No Deal: Do the same thing you've been doing for decades? Totally illegal. You are unlicenced and uninsured.

You want to fly and hire a car instead? You've been doing that with zero hassle for decades... But you're still going to need that IDP. Did you forget that? Oops. No hire car for you.