Alarming suggestion on government website about insurance cover if no deal brexit. (1 Viewer)

[Solwaybuggier]

At the risk of being accused of stoking Project Fear, after a thread on O&A Live forum , I’ve seen that the gov.uk website contains the following:


“Road traffic accidents in the EU
From 29 March 2019, in the event that there is no EUExit deal, UK residents involved in a road traffic accident in an EU or EEA country should not expect to be able to make a claim in respect of that accident via a UK-based Claims Representative or the UK Motor Insurers’ Bureau (MIB).

Instead, UK residents involved in a road accident may need to bring a claim against either the driver or the insurer of the vehicle in the EU or EEA country where the accident happened. This may involve bringing the claim in the local language.

In the event of an accident in an EU or EEA country caused by an uninsured or an untraced driver, UKresidents may not receive compensation if there is no EUExit deal. This will vary from country to country”
(See https://www.gov.uk/guidance/prepare...H4L-1usa0fMW4AnyFQbVq8Oc14JmrdxfQbFk#contents - section on Road Traffic Accidents in the EU)

I may be misunderstanding this - but the implication seems to be alarming, unless insurance companies go beyond what is suggested above. I think a phone call to Comfort is indicated - unless anyone can clarify?

 

[SandJ]

Personally as soon as I see the word MAY then I realise it's only guesswork.

accident may need

 

[DBK]

We will be in the same position as drivers from the US, Australia or say Brazil. They can get cover and I'm sure we will be able to as well.

I suggest waiting until the dust settles. Contact your insurance company by all means but they may not give a definitive answer.

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[SandJ]

more scaremongering

 

[Southdowners]

Thanks for the info... I’d say that there’s no point calling your insurer. Just wait and see what happens and keep abreast of the advice given regarding travel outside the UK.

 

[Solwaybuggier]

more scaremongering

I was expecting that! It’s from the gov.uk website, which might give cause for thought, but some people seem blindly convinced there will be no problems with no deal. Can I respectfully ask that they keep out of what was an attempt to clarify a point of concern? Please?

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[SandJ]

I was expecting that! It’s from the gov.uk website, which might give cause for thought, but some people seem blindly convinced there will be no problems with no deal. Can I respectfully ask that they keep out of what was an attempt to clarify a point of concern? Please?

But your posting a maybe not fact, yes it may give cause for thought and others are giving another pause for thought it states MAY ........ scaremongering.
You are not clarifying anything more than I am, are you?
If you want clarification then the vote said OUT not partly out.

 

[andyman]

Sweet baby jesus and the orphans. Do people really worry about things like this.
Deal or no deal, we will all go to bed on the 29 march get up in the morning and it will be just another day.

 

[Funnymunny]

It makes me wonder where some of these things come from. We were going abroad long before the EU came about and it was no major problem with getting a International driving licence or insurance to cover you so why the hell should it be more difficult now when we come out.

Being outside the EU is nothing new, no need to panic we have been there before

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[tacr2man]

It makes me wonder where some of these things come from. We were going abroad long before the EU came about and it was no major problem with getting a International driving licence or insurance to cover you so why the hell should it be more difficult now when we come out.

Being outside the EU is nothing new, no need to panic we have been there before

Totally agree was traveling thruout Europe on a General Accident Ins Co green card when it was still EEC , and my ins co didnt even charge me for issuing it.

 

[Wissel]

If you're worried simply stay in the UK at the end of March. Whatever actually happens, things like this will get sorted and be clear pretty quickly.

If you have to be somewhere else, get clarity from insurance company before leaving.

 

[Solwaybuggier]

Totally agree was traveling thruout Europe on a General Accident Ins Co green card when it was still EEC , and my ins co didnt even charge me for issuing it.

Green card is surely irrelevant - it’s proof of minimum legal cover, ie 3rd party. Issue is more with comprehensive cover.

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[Xabia]

Let’s look at some realistic facts if we “crash out” without a deal.

Most motorhome policies include Comprehensive cover for a period of travel in Europe, the reason for asking for a Green Card is to provide proof of third party insurance in case it is need by the police over there. At the moment they accept the wording on the reverse of the Certificate of Insurance but may not after 29th March.

If you have an accident causing damage to your vehicle for which you are not at fault your insurer will pay the claim and then try and recover the cost from the negligent third party. You will have to peruse any loss of use, excess etc yourself using your legal expenses cover or legal means.

 

[tacr2man]

Green card is surely irrelevant - it’s proof of minimum legal cover, ie 3rd party. Issue is more with comprehensive cover.

I had comprehensive cover , the green card was as you stated , same as all the HGV on TIR work to Saudi etc .

 

[trophychap]

I assume we all need to refamiliarise ourselves with the European Accident Statement, which one has to complete (in triplicate but it's NCR) in case of an accident and give one copy of it to the other driver - he/she does the same.

We send those to our insurer and they deal with the other party's insurer and vice versa.

That's what used to happen pre EU so I'm assuming that's what we will revert to. Nobody needs to re-invent the wheel so why should it change?

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[sonny]

Just wait to see what happens for instance something we all had a good idea what would happen Seaborne ferries you know no ships or facilities have had their contract cancelled as their Irish backers have backed out Irish. Mmmmm

 

[Clarky]

I assume we all need to refamiliarise ourselves with the European Accident Statement, which one has to complete (in triplicate but it's NCR) in case of an accident and give one copy of it to the other driver - he/she does the same.

We send those to our insurer and they deal with the other party's insurer and vice versa.

That's what used to happen pre EU so I'm assuming that's what we will revert to. Nobody needs to re-invent the wheel so why should it change?

Been carrying one of those around with me for years.
Thankfully I’ve never had to use it............yet.

Richard.

 

[jollyrodger]

Alarmist on the government site ,never
I mentioned this a day or two back on Jim's driving licence thread
https://www.motorhomefun.co.uk/forum/threads/your-driving-licence-after-a-hard-brexit.191487/
After @bobandjanie put up a link there.
Would your legal cover ,actually cover you,to fight your corner ?
Guess we'll have to wait and see .
Chasing a claim in the UK via the MIB in this country is bad enough in the event of being hit by an uninsured driver .my son's case took 18mths to resolve when some loon got loose from a secure unit .nicked a car.completely starkers .
got the guy,foreign,but unfit to be charged .
What chance when abroad.?

http://cartraveldocs.com

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[bobandjanie]

You see more advice coming from the UK than from Spain, but it's just to cover there , most expats have been running around like headless chickens , we became resident 3 years before we planned, but the only reason is we need to have a private health care, we changed our licence early because it could be we need to take a spanish driving test.
It also enabled us to change our motorhome, because we are legal, and not full timers with a holiday home in Spain, and I refused to do it, because being in the UK for an MOT and spending 6 weeks a years there did not make us legal and the insurance we had was not worth the paper it was written on.
Travel insurance was becoming more difficult as you needed to be in the UK 6 months before yet they will sell you 12 months single trip policy.
So although it's cost us sooner than planned , we are 100% and glad we did it.

But as @BreweryDave Dave and some of the chances that live here say it ain't going to happen. But.............. We have covered our so we are happy, and time will tell.
Bob and Janie.

 

[Cat53]

We drove in South Africa with no problem!

 

[Xabia]

You see more advice coming from the UK than from Spain, but it's just to cover there

But.............. We have covered our so we are happy, and time will tell.
Bob and Janie.

I am sure Jose Chulvi will look after you Bob.

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[bobandjanie]

I am sure Jose Chulvi will look after you Bob.

We like him, you can talk to him, you often see him in restaurants and out and about, the only thing against him is riding around on a bright orange scooter.
He will get my vote, because he likes the English. Bob.

 

[Lot lover]

No-one seems to realise that you cannot cross your bridge until you reach it.

 

[Littlewheels]

Sweet baby jesus and the orphans. Do people really worry about things like this.
Deal or no deal, we will all go to bed on the 29 march get up in the morning and it will be just another day.

Except we won’t be European Citizens but we will still be European and then the fun will start

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[pappajohn]

We drove in South Africa with no problem!

South Africa is a strange bird.
Ex partner was from Cape Town as were her parents.
Her dad, miserable sod, wouldn't let us use his Jag but gave us use of his beach buggy when we visited and all I had was my UK licence and an IDP.
Everyone who drives is insured 3rd party.
A percentage of the price of fuel goes to a gov insurance fund which ensures that.
If you want anything above 3rd party you pay for it....and you do pay for it.
I did get a ticket for no road tax though.... Two years back duty and a fine.... 125 rand.
In real money, £25. (ex rate then 5rand to £1)

 

[BigStevie]

And how about all the continental European vans that come to the UK? I think this isn't going to be a problem...

 

[pappajohn]

And how about all the continental European vans that come to the UK? I think this isn't going to be a problem...

I think it's already been decided no change for them coming here.
Spineless beaurocrats haven't the bottle to lay down any rules either way.
No visa, no IDP and probably no time limit.

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[busby]

Alarmist on the government site ,never
I mentioned this a day or two back on Jim's driving licence thread
https://www.motorhomefun.co.uk/forum/threads/your-driving-licence-after-a-hard-brexit.191487/
After @bobandjanie put up a link there.
Would your legal cover ,actually cover you,to fight your corner ?
Guess we'll have to wait and see .
Chasing a claim in the UK via the MIB in this country is bad enough in the event of being hit by an uninsured driver .my son's case took 18mths to resolve when some loon got loose from a secure unit .nicked a car.completely starkers .
got the guy,foreign,but unfit to be charged .
What chance when abroad.?

http://cartraveldocs.com

My insurance quickly recovered my excess back from the German who wrote my motorhome off in Germany..BUSBY..

 

[gus-lopez]

I was expecting that! It’s from the gov.uk website, which might give cause for thought, but some people seem blindly convinced there will be no problems with no deal. Can I respectfully ask that they keep out of what was an attempt to clarify a point of concern? Please?

No chance of anyone in government having a clue.Just ensuring they have covered themselves.

He will get my vote, because he likes the English. Bob.

Regardless of no deal or a transition period the Spanish parliament have said you will not be able to vote in local or EU elections. Nor will you be able to use any EU services any more.

No visa, no IDP and probably no time limit.

There are limits.6months for the vehicle but at the moment rendered illegal to drive after I have been in UK for 90 consecutive days. They always tell me at dover when I am pulled.

 

[Cat53]

South Africa is a strange bird.
Ex partner was from Cape Town as were her parents.
Her dad, miserable sod, wouldn't let us use his Jag but gave us use of his beach buggy when we visited and all I had was my UK licence and an IDP.
Everyone who drives is insured 3rd party.
A percentage of the price of fuel goes to a gov insurance fund which ensures that.
If you want anything above 3rd party you pay for it....and you do pay for it.
I did get a ticket for no road tax though.... Two years back duty and a fine.... 125 rand.
In real money, £25. (ex rate then 5rand to £1)

Our insurance out there (lived in Cape Town for 5 years) was very reasonable. Being good law abiding citizens we didn’t get any fines!! Rand is about 18 to the pound now!

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