By Geoffrey Chang
The possibility of a no-deal Brexit has thrown the travel plans of millions of Brits up in the air.
As holidaymakers go in search of warmer climes for the Easter break and beyond, here are some of the changes to expect if there is a no-deal Brexit – and what they mean for your travel plans in Europe.
How will Brexit affect your travel insurance?
All our travel insurance policies will be valid for use in the European Union and provide the same level of cover before and after Brexit.
However, there may be a time that we say goodbye to those beautiful blue bits of plastic: the European Health Insurance Cards (EHICs). Issued free of charge, they’ve provided wide coverage to cardholders travelling within Europe for more than a decade. Any potential deal is likely to include a reciprocal agreement with the EU member states to preserve the current system.
But if the UK leaves without a deal, the use of EHICs will become invalid and you could incur medical costs that would previously have been covered by the EHIC system. Make sure you aren’t relying on EHIC to cover any pre-existing conditions that weren’t covered on your insurance.
Flight delay compensation
Anyone who’s been through the headache of a major flight delay will probably recognise the letters and numbers: EU261. That’s the name of the EU law that ensures passenger compensation if a delay or cancellation is the airline’s fault. The amount you’re entitled to depends on the length of delay and flight distance.
At the moment, it’s still unclear how this law will apply after Brexit. However, the government reassures that “the UK will not fall below the current standards of protection when we leave the EU”.
For more information on UK passenger rights post-Brexit, the government has published a document titled ‘Flights to and from the UK if there’s no Brexit deal'.
How will Brexit affect your motor insurance?
The government states that “your licence may no longer be valid by itself” in the event of no deal. In addition to your driving license, this means you’ll need physical evidence that proves you have the minimum legal cover required by the EU country you’re driving in. This is in the form of a Green Card.
We’re ready to provide Green Cards to our customers for free, should there be a ‘no deal’. You’ll need to keep it on you and be able to present the physical document, together with your driving license. There won’t be any digital versions.
Do you need a Green Card?
- If you’re planning to drive in the EU on or after Brexit (currently set for 31 October), you will need a Green Card
- Even if you have a foreign-use extension on your motor policy, you’ll still need a Green Card to drive in all EEA countries, Andorra, Serbia, and Switzerland after Brexit
- If Green Cards are introduced you will need one when driving from Northern Ireland to The Republic of Ireland
Please contact us as soon as possible to request a Green Card if necessary. Try to give yourself as much time before you travel. Once we’ve received your request, we will send your Green Card via first class on the next working day.
- If you’re travelling to the EU and will return before Brexit happens, you do not need a Green Card.