What happens from 1 January 2021 if there’s no trade deal?
If there is no agreement on the future relationship between the UK and EU after the end of the transition period (31 December 2020), it’s likely you will need to carry an international motor insurance certificate (IMIC) while driving your vehicle in the European Economic Area (EEA) and some other countries (Andorra, Bosnia and Herzegovina, Serbia and Switzerland).
Without this certificate, you may be denied access to the country or be fined for failing to have the appropriate insurance documentation. Additionally, you may also need an international driving permit (IDP) to drive in some EU/EEA countries. You can find more information from the UK government here. You will not need to carry an IDP to drive when visiting Ireland if you have a current UK driving licence.
What is an international motor insurance certificate (green card)?
An international motor insurance certificate (IMIC), also known as a ‘green card’, is a document issued by insurance providers, guaranteeing that a motorist has the necessary minimum motor insurance cover to drive in the country they are visiting or travelling through.
What you will need to do before you travel
If you are planning to drive in the EU from 1 January, you must make the necessary arrangements in good time before your departure as each Insurer will have different lead times for preparing these documents.
If you are going to drive abroad soon after 31 December 2020, we recommend that you contact your usual Insurance broking representative urgently to ensure that you have the correct motor insurance documentation before your departure.
Remember, we’re here to help. So, please don't hesitate to speak to one of your CLEAR representatives, if you have any questions or concerns about your insurance.