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Brexit

 

The good news is no matter what happens your policies will remain valid and the cover will not be affected by Brexit but you may need to take some extra care depending on the outcome of current negotiations.

 

 

Frequently Asked Questions on Brexit and your travel insurance

 

In the event, the UK government agrees a deal and transitional period with the EU, we don’t expect any impact to your policy during that transitional period.

 

In the event of a ‘No Deal’ Brexit, customers travelling into Europe may need to take some extra precautions depending on your method of travel.

 

I’m planning on travelling to the European Union after Brexit. Is my travel insurance still valid?

 

Yes, it is. All travel insurance policies purchased will be valid for use in the European Union and provide the same level of cover before and after Brexit.

 

Please remember it remains your responsibility to ensure you have all the correct documentation to travel e.g. Passports, visas and any documents required to take your vehicle abroad e.g. Green cards and international driving permits. There is no cover under your policy for not having the appropriate documentation when leaving the UK.

We recommend you review Foreign and commonwealth office guidance for the country you intend to travel to by visiting their website, click here.

 

In the event of a ‘no deal’ Brexit, will my passenger rights (e.g. to compensation in event of cancellation or delay) be affected?

 

The UK Government has published a technical paper on ‘Flights to and from the UK if there’s no Brexit deal’ and this contains information on UK passenger rights post-Brexit. For more information, click here.

 

Does my insurance cover me for travel disruption and cancellation due to Brexit?

 

There is no cover under your policy for missed flights, ferry, Eurostar or Eurotunnel crossings due to additional delays experienced whilst checking in or getting through security so in the event of a no deal, please allow extra time to travel.

 

In the event that airspace is closed after Brexit and you’re unable to fly (note guidance has been published that suggests flights will operate as normal), then you should seek a refund from the airline.

 

Your insurance will still cover you for flight delays.

 

Will my European Health Insurance Card (EHIC) remain valid in the event of no deal?

 

An EHIC card currently gives you access to state-provided healthcare in other EU countries.

 

In the event of a “No Deal” Brexit scenario, we do not expect EHIC Cards to remain valid, although other agreements may be negotiated. In either case, any medical costs that occur whilst abroad will be honoured by your travel insurance.

 

Driving to Europe

 

UK law requires that your motor insurance includes third party cover when driving in the EU. There won’t be any change to this cover whilst the UK is a member of the EU.

 

Will I need a Green Card to drive in the EU after Brexit?

 

In the event of a 'no deal' Brexit, UK motor insurance customers driving in the EEA, Andorra, Serbia and Switzerland will need evidence of motor insurance when they travel and the proof that the motorist has the required insurance is called a Green Card.

 

What is a Green Card?

 

A Green Card is issued by the driver’s insurer, and acts as evidence that the minimum legal cover required is in force for the country visited whilst driving outside the UK. The Green Card is a physical document which is printed on green paper and cannot be issued in an electronic format.

 

Can I drive abroad on my UK licence after we leave the EU in October 2019?

 

Nobody knows but in the event of a ‘no deal’ situation, the Department for Transport has indicated you may need to obtain an International Driving Permit to drive in the EU. You would need to show this in conjunction with your UK driving license and can be obtained from any Post Office.