Referendum outcome FAQs

We answer some of the most frequently asked questions about the possible impacts of Brexit on our business and customers

On 23 June 2016, Britain voted to leave the European Union. On 29 March 2017 the UK triggered Article 50 of the Lisbon Treaty, which commenced the process of withdrawal from the European Union, commonly referred to as Brexit.

RSA recognises that until a transition agreement is finalised, this is an uncertain time for our customers, shareholders and colleagues, so we’ve put together the following answers to frequently asked questions (FAQs). If your question isn’t answered here, scroll to the bottom of this page for more information.

We‘ll also update this webpage as post-Brexit arranagements become clearer, so do check back regularly for extra information.

To direct you to a relevant set of FAQs, please click on one of the following:

 

FAQs for motor, travel, pet and household policy holders

Q. How does the UK voting to leave the European Union affect my insurance policy?

There is currently no impact on your insurance policy.

While negotiations over the terms of the UK’s withdrawal from the European Union are ongoing, a transition period has been proposed that would mean current EU rules would continue to apply in the UK past the original departure date which was set at 30th March 2019. If this transition phase is agreed, there will be no impact on your insurance cover until the end of that period.

 

Travel insurance

Q. I'm travelling to another European Union country, does the UK voting to leave the EU affect my travel insurance policy?

While negotiations over the terms of the UK’s withdrawal from the European Union are ongoing, a transition period has been proposed that would mean current EU rules would continue to apply in the UK past the original departure date which was set at 30 March 2019. If this transition phase is agreed, there will be no impact on your insurance cover until the end of that period.

If you plan on driving in Europe, it is particularly important that you ensure you are properly insured and are carrying the right documentation.  As well as reading these FAQs, refer to the Government’s advice on driving abroad.

 

Motor insurance

Q. I am travelling to another European Union country by vehicle, does the UK voting to leave the European Union impact on my motor insurance cover?

Currently, the UK’s withdrawal from the European Union should not impact your motor insurance if you are travelling abroad. However, it may be that in the future, once the UK is no longer a member of the EU, you will require a Green Card to travel to another European Union country by vehicle.

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.

All RSA / More Than policies provide the minimum legal cover as standard whilst driving in any other EU country and certain specified countries. If you want to receive the same level of cover as you enjoy in the UK, you may need to call us and ask for a Foreign Use extension which may be chargeable. Please also refer to the Government’s advice on driving abroad.

The insurance industry is working with the UK Government and the European Commission to seek an agreement that, whatever the results of Brexit negotiations, UK registered vehicles can continue to travel in the EU without needing a Green Card. However, it is possible that if agreement is not reached it will become your responsibility to apply for a Green Card if you are planning to drive outside the UK after Brexit.

We will continue to update this page with any new information when it is available – please check this page regularly for updates.

Q. Does the UK voting to leave the European Union affect my European breakdown cover?

No, your breakdown cover will still work as usual across the EU if you have purchased the European breakdown option.

We will update this webpage as soon as details are available about any changes that may occur when the UK completes the process of leaving the European Union, which is currently expected to take place at the end of the proposed transition period.

Q. Does the UK voting to leave the European Union affect whether I can drive in the EU with my UK driving licence?

While negotiations over the terms of the UK’s withdrawal from the European Union are ongoing, a transition period has been proposed that would mean current EU rules would continue to apply in the UK past the original departure date which was set at 30th March 2019. If this transition phase is agreed, it is likely there will be no impact on your driving licence however you should continue to check the DVLA website for appropriate advice.

We will update this webpage as soon as details are available about any changes that may occur when the UK leaves the European Union.

Additional notes for motorists

If you plan on driving in Europe, it is particularly important that you ensure you are properly insured and are carrying the right documentation.  As well as reading these FAQs, refer to the Government’s advice on driving abroad.

Pet insurance

Q. I have pet travel cover I am travelling to another European Union country with my pet, does the UK voting to leave the European Union affect my cover?

There is currently no impact on your Pet travel cover.

While negotiations over the terms of the UK’s withdrawal from the European Union are ongoing, a transition period has been proposed that would mean current EU rules would continue to apply in the UK past the original departure date which was set at 30th March 2019. If this transition phase is agreed, there will be no impact on your insurance cover until the end of that period.

However, it may be that in the future, once the UK is no longer a member of the EU, you will no long be able to travel to another European Union country with your pet.

FAQs for business insurance policy holders

Q. How does the UK voting to leave the European Union affect my insurance policy?

There is currently no impact on your insurance policy.

While negotiations over the terms of the UK’s withdrawal from the European Union are ongoing, a transition period has been proposed that would mean current EU rules would continue to apply in the UK past the original departure date which was set at 30th March 2019. If this transition phase is agreed, there will be no impact on your insurance cover until the end of that period.

Q. I am travelling to another European Union country by vehicle, does the UK voting to leave the European Union impact on my motor insurance cover?

Currently, the UK’s withdrawal from the European Union should not impact your motor insurance if you are travelling abroad. However, it may be that in the future, once the UK is no longer a member of the EU, you will require a Green Card to travel to another European Union country by vehicle.

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.

All RSA / More Than policies provide the minimum legal cover as standard whilst driving in any other EU country and certain specified countries. If you want to receive the same level of cover as you enjoy in the UK, you may need to call us and ask for a Foreign Use extension which may be chargeable. Please also refer to the Government’s advice on driving abroad.

The insurance industry is working with the UK Government and the European Commission to seek an agreement that, whatever the results of Brexit negotiations, UK registered vehicles can continue to travel in the EU without needing a Green Card. However, it is possible that if agreement is not reached it will become your responsibility to apply for a Green Card if you are planning to drive outside the UK after Brexit.

We will continue to update this page with any new information when it is available – please check this page regularly for updates.

Q. Does the UK voting to leave the European Union affect my European breakdown cover?

No, your breakdown cover will still work as usual across the EU if you have purchased the European breakdown option.

We will update this webpage as soon as details are available about any changes that may occur when the UK completes the process of leaving the European Union, which is currently expected to take place at the end of the proposed transition period.

Q. Does the UK voting to leave the European Union affect whether I can drive in the EU with my UK driving licence?

While negotiations over the terms of the UK’s withdrawal from the European Union are ongoing, a transition period has been proposed that would mean current EU rules would continue to apply in the UK past the original departure date which was set at 30th March 2019. If this transition phase is agreed, it is likely there will be no impact on your driving licence however you should continue to check the DVLA website for appropriate advice.

We will update this webpage as soon as details are available about any changes that may occur when the UK leaves the European Union.

Q. I currently have worldwide cover on my computer insurance, is this affected by the UK voting to leave the European Union?

No, this cover remains the same. We will update this webpage as soon as details are available about any changes that may occur when the UK completes the process of leaving the European Union, which is currently expected to take place at the end of the proposed transition period.

 

More information

As the exit process progresses, RSA will continue to keep customers updated on the impact of negotiations on our policies and products, posting them on our website, Twitter and Facebook. In the meantime, if you have any concerns that aren't addressed here, please contact us or email brexit@gcc.rsagroup.com.


 

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