How does Brexit affect your Car Insurance – Travelling by car outside the U.K.

On the 1st of January 2021, the Brexit transition period ends. The U.K. Government and EU talks are continuing and at present, it is unclear whether these talks will result in a trade deal between the U.K. and the EU ( a “deal”) or whether there won’t be a trade deal (a “no deal”). Once, those talks have concluded, then depending on the outcome, if you plan on taking your car to an EU or EEA country or to Andorra, Serbia or Switzerland, please make yourself aware of any action you may need to take.

If you are travelling before the end of the transition period and will return to the U.K. before 1st January 2021, then you won’t need to do anything as regards this journey.

Deal


If there is a ‘deal’, then you won’t need to do anything for the time being.

No Deal


If there is a 'no deal', Sainsbury’s Bank will organise a Green Card for you at no extra cost. Just give us a call on 0345 266 1670. We recommend that you give us a call at least 21 days before you travel to make sure you have everything you need before you go.

A Green Card simply acts as evidence that you have the minimum legal cover required, for the country you are visiting, whilst driving outside the UK. It’s similar to your certificate of insurance and you will need to keep a printed copy of this with you whilst travelling.

You may also need to purchase an International Driving Permit (IDP which is an official, multi-language translation of your driving licence). You can get these at your local post office, and further information can be found on:

https://www.gov.uk/guidance/international-driving-permits-for-uk-drivers-from-28-march-2019

Subject to what is said below, Sainsbury's Bank will continue to provide the same level of cover you receive in the UK while you are travelling in the EU/EEA as per your current car insurance terms and conditions.

  • If you have comprehensive cover with us then we will provide the same level of cover that you have in the UK, while you are abroad, for up to 90 days. And if you are driving between Northern Ireland and the Republic of Ireland we will extend that cover to 365 days

  • For third party fire and theft cover we will provide the same level of cover that you have in the UK while you are abroad, for up to 35 days. And if you are driving between Northern Ireland and the Republic of Ireland we will extend that cover to 365 days

  • If you intend to travel by car in the EU/ EEA, in excess of the 90/35 days, you must first contact us to obtain our agreement and there may be an additional charge. If we have not agreed to cover you for a period exceeding the 90/35 days then after the 90/35 day period has expired, only the minimum cover required by the law of the relevant country will apply

For more information on your Sainsbury’s Bank Car Insurance policy in the event of a ‘no-deal’ please refer to our handy FAQs guide below:

Brexit FAQs