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Post Brexit car insurance

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Post Brexit car insurance
Peter_Grimsditch Offline
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#1
Wed-03-11-2021, 20:23 PM
Hi chaps and chappesses

It seems that UK-based insurance cover on cars in France presents problems that didn't exist pre-the B word.

My UK Ford Focus had a paragraph at the bottom of the insurance certificate saying that the insurance cover was valid for every EU country {and two or three others}. That paragraph was present on the certificates for 2019-20 and 2020-21. In May 2021 when I renewed for 2021-22 I asked for a Green Card, a Post Brexit requirement of the French. The EU cover paragraph was omitted from the 21-22 certificate,

My insurer's agent [The Post Office] asked for what period I needed the Green Card. I said I was looking for a house to buy in France and didn't know for how long I would need cover. At this point in several telephone calls it became obvious they were unlikely to isssue a Green Card for most of the year.

I tried to insure it with a French company and was told they don't insure British registered cars.

At this point I decided to give the car to my son. He said he would come to collect it towards the end of October. Meanwhile I was running about on a policy paid in advance for the whole year.

When I asked again for a Green Card I was told I had already stayed in France longer than the 60, or exceptionally 90, days allowed by the insurer. I maintained they had changed the terms of the cover without telling me.

Long story clipped a bit, in October they cancelled my insurance at nine days' notice. Son insured the car elsewhere, [even so I stillI kept if off the roads] and had cover extended to France from November 1. He collects it this Friday.
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Brian Offline
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#2
Fri-05-11-2021, 11:39 AM
That sounds like a pretty typical insurance tale, I'm afraid.

Since the UK pulled up its anchor and sailed away from Europe things have certainly got more difficult.

One thing worth bearing in mind is that only a resident can own a vehicle and purchase valid insurance.

Thus if you are a UK resident, your vehicle must be registered in and subject to all roadworthiness requirements of the UK, and you must hold UK-based insurance.
if you are a French resident, your vehicle must be registered in and subject to all roadworthiness requirements of the UK, including French-based insurance for the vehicle.

No ifs or buts, that's apparently the law. I know in the past a certain leniency was applied but nowadays if you are a French resident and are stopped by les flics they will insist you are legal according to French law.

If you're a UK resident then of course it's still legal to drive a fully legal UK car in France as long as you are within the 90 days in 180 stay period or hold an appropriate visa. The UK insurance companies, however, are a different matter entirely.

Good luck is probably the most helpful thing I can say!

Brian
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Clive Gardner Offline
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#3
Thu-18-11-2021, 12:21 PM
There is an upside,all the UK registered vehicles over here that do not regularly go back to the UK,many of them vans and are and have been flouting the laws for some time will now have a choice.As most of them reside here either permanently or in excess of 90/180 days (whichever is the law) they will have to register their vehicles here legally,take them back to the UK but run the risk of the boys in blue giving them a hard time/fine. If you don't have UK tax and MOT and continue driving over here then your insurance/assurance is invalid so if you have an accident whether liable or not you and anyone involved will not be covered and that could get messy. As I understand it vehicles that have not returned to the UK to sort out tax and MOT run the risk of seizure and possible destruction along with fines from the UK Customs who along with police have all UK details available via their onboard computers just by carrying out a PIN check. There are loads of ex-pats running around on UK plates illegally knowingly or unknowingly and have done for years. If the car isn't up to UK laws it would be regarded as SORN. In the village where I live there are two vehicles that have been parked up (off of the road) for at least two and a half years one English plate the other Northern Irish (I think). Don't know who owns them. Anyway enough of digressing,just do it legally however you have to for your own sake and peace of mind wave
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