BREXIT - Our approach

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Posted on 25th January 2019 Tagged in Personal Lines Schemes Commercial Lines Regulation & Change
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BREXIT : An update on our approach

Naturally, the subject of Brexit will be raising questions about our services for motor and travel customers. We’re working behind the scenes to make sure the impact of the UK’s departure from the European Union is kept to a bare minimum:

Green Cards

Now that the deadline for the UK to leave the EU has been postponed until 31 October 2019, your customers won’t need to carry a Green Card in the EU until possibly later in the year. However, as things can change at any time, you’ll still be able to order a Green Card for your Ageas customers. All you need to do is call us, tell us a bit about your customer and we’ll handle the rest. 

If your customers are driving in Europe before the UK leaves the EU, they will not need any further documentation (provided they have returned to the UK before the UK leaves the EU).

If your customers will be driving in Europe after the UK leaves the EU, and an agreement has not been made between the UK Government and the European Union, they’ll need a Green Card.

This page will tell you how to order a Green Card for your Private Motor, CV or Commercial Motor Customers.

Travelling Post-Brexit

If the UK leaves the EU on a no-deal basis, then travel to and from the UK could be affected. However, we don’t know what the full impact will be yet, with or without a deal. Please visit this dedicated page for some useful FAQs on Post-Brexit Travel

We have a dedicated Brexit working group

The team is identifying risks as the situation evolves. We are well-prepared for every scenario. Whatever happens in government, and however the details of our departure are confirmed, we are committed to making sure our customers are covered.

We’ll still be here on the other side

We don’t foresee any scenario that would impact our ability to trade or meet our capacity requirements. We’ll continue to sell all of our products as at present within the UK.

Helping you manage customer queries

Ultimately, we’d like all of our plans to make life easier for Ageas customers and we recognise they’ll be looking to you for information about their policies. The ABI has already issued some generic guidance on its website, which may be useful at a high level.

We’ve written an article for customers about driving in Europe after Brexit which you may find useful to share with them.

FAQs

These are some of the most common questions you’ve been asking us:

Will my customers be covered to drive in other EU member states and EEA after Brexit?

Yes. There’ll be no change to our motor insurance cover for countries in the EU and European Economic Arena (EEA). However, if your customer lives in the UK and plans to drive in the EU, EEA, Andorra, Serbia or Switzerland, then they’ll need a paper copy Green Card to prove that they’re insured.

What’s a Green Card?

Green Cards are a guarantee that third-party motor insurance cover (at least) is in place for the countries in which you’re driving with a UK insurance policy. Currently, this must be the physical document and not a digital version.

If Brexit happens with a 'no deal' then your customers will need a Green Card to drive their vehicle abroad.

This page will tell you how to order a Green Card for your Private Motor, CV or Commercial Motor Customers.

If my customers need a Green Card in the future, what should I do?

If your customers are driving in Europe before the UK leaves the EU, they will not need any further documentation (provided they have returned to the UK before the UK leaves the EU).

If your customers will be driving in Europe after the UK leaves the EU, and an agreement has not been made between the UK Government and the European Union, they’ll need a Green Card.

This page will tell you how to order a Green Card for your Private Motor, CV or Commercial Motor Customers.

Will my customer’s UK driving licence be enough after the UK leaves the EU?

No. Some countries may set an expectation that you’ll have an International Driving Permit (IDP). There are two types of IDP required by EU countries, each governed by a separate United Nations convention. An IDP costs £5.50 and is available from the Post Office – you can find out more about this on the Department for Transport website.

What do my travel customers need to consider?

It’s likely that the European Health Insurance Card (EHIC) will cease to apply if the UK leaves the EU without a withdrawal agreement in place. This won’t affect the level of cover that we provide to our customers, but will stop UK citizens from getting free or reduced cost healthcare in the EEA and Switzerland.

If the EHIC ceases to exist, your customers will have to pay the excess on any claim (this was previously waived if they used an EHIC card).

What exactly is an EHIC?

An EHIC gives customers access to the same state-provided healthcare that is available to a resident. It is free from the Department of Health. However, it is not a substitute for having travel insurance as it will not cover all medical costs, or the cost of emergency repatriation back to the UK. 

Please visit this dedicated page for some useful FAQs on Post-Brexit Travel

If the EHIC ceases to exist, your customers will have to pay the excess on any claim (this was previously waived if they used an EHIC card).

Are customers still covered if they need medical assistant while abroad?

There is no change to their existing insurance cover.

Please visit this dedicated page for some useful FAQs on Post-Brexit Travel

What documents will customers need to take when travelling?

Customers are advised to travel with their insurance documents and their insurer’s emergency medical assistance contact number so they get quick access to medical expertise and facilities.

Please visit this dedicated page for some useful FAQs on Post-Brexit Travel

What about cover for delays while travelling?

If your customer's travel insurance includes cover for delay, missed departure or travel disruption they may be covered for additional costs if their journey is delayed or cancelled. They should check their policy for full details of any cover that may apply. Customers should, of course, prepare for longer queues at Passport control and customs and allow additional time.

Please visit this dedicated page for some useful FAQs on Post-Brexit Travel

What about compensation from airlines and ATOL?

Your customers rights for compensation from thier airline will remain unchanged if their flight is delayed or cancelled.

If your customers have booked a package holiday, then ATOL (Air Travel Organiser’s Licence) cover will continue to mean that if the travel company fails and their holiday can no longer go ahead, they will be entitled to a refund if they are yet to travel - and hotel costs and flight costs to get home if they are already abroad.

Please visit this dedicated page for some useful FAQs on Post-Brexit Travel

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