What Is the Green Card System?
The Green Card (International Motor Insurance Certificate) is an internationally recognized document that proves you have the minimum compulsory insurance coverage required by the laws of the countries you visit. Despite its name, the document isn't always green anymore, though many countries still issue it in that traditional color.
"The Green Card system is managed by the Council of Bureaux, bringing together 48 countries across Europe, the Middle East, and parts of Africa. It facilitates cross-border travel while ensuring adequate insurance protection."
The Purpose and Function of the Green Card
The Green Card system serves several important purposes:
- It ensures that victims of accidents involving foreign vehicles receive compensation according to the national laws of the country where the accident occurred
- It eliminates the need to purchase additional insurance at borders
- It simplifies the process of making insurance claims for accidents that occur in foreign countries
Essentially, the Green Card is proof that your insurance from your home country extends to provide at least the minimum legal coverage required in the country you're visiting.
Countries Participating in the Green Card System
The Green Card system currently includes 48 countries across Europe, parts of the Middle East, and Africa. These include:
- All EU/EEA countries (including Sweden, Germany, France, Italy, Spain, etc.)
- Non-EU European countries (including the UK, Switzerland, Norway, Albania, Serbia, etc.)
- Middle Eastern countries (including Turkey, Israel, Iran)
- North African countries (including Morocco, Tunisia)
Important Note
Since 2021, following Brexit, UK drivers traveling to the EU may need to carry a physical Green Card, as the UK is no longer part of the EU exemption scheme, though some insurers may still provide coverage without one.
When Do You Need a Green Card?
Whether you need a physical Green Card depends on several factors:
Within the EU/EEA
If you're driving a vehicle registered in an EU/EEA country (including Sweden) to another EU/EEA country, you typically don't need to carry a physical Green Card. Your regular insurance policy provides the necessary coverage, and your license plate is recognized as proof of insurance.
Traveling to Non-EU Countries
If you're traveling to a Green Card system country that's not in the EU/EEA (such as the UK, Switzerland, Serbia, or Turkey), you should check with your insurer whether you need a physical Green Card.
Special Cases
In some scenarios, a Green Card may be required or advisable:
- If your vehicle is registered in a non-EU country and you're traveling to any Green Card system country
- If you're towing a trailer (some countries require a separate Green Card for the trailer)
- During transitional periods after policy changes (like the post-Brexit adjustment period)
How to Obtain a Green Card
Getting a Green Card is generally straightforward:
- Contact your insurer: Reach out to your car insurance provider well before your trip (ideally 2-3 weeks in advance)
- Provide details: You'll need to share information about your travel plans, including countries to be visited and travel dates
- Receive your document: Your insurer will issue the Green Card, either as a physical document or electronically (depending on the insurer and destination)
Many Swedish insurance companies now provide digital Green Cards that you can download through their app or customer portal. However, it's advisable to check if the countries you're visiting accept digital versions or if you need a printed copy.
Recent Changes to the Green Card System
The Green Card system continues to evolve:
Format and Color Changes
Since July 2020, Green Cards can be printed in black and white by insurers, and the format can be either A4 or on a single page. This allows for electronic distribution and home printing of Green Cards.
Post-Brexit Adjustments
Following the UK's exit from the EU, there were initial requirements for Green Cards when traveling between the UK and EU. However, in July 2021, the European Commission announced that the UK would join the "Green Card Free Circulation Area," simplifying travel again.
Digital Green Cards
Some countries are now accepting digital Green Cards (shown on a smartphone or tablet), though this is not universal. Always check the specific requirements for your destination.
"While the Green Card system is modernizing with digital formats and simplified processes, it's always safest to have a physical copy when traveling, especially to countries outside the EU."
What the Green Card Covers
It's crucial to understand that a Green Card only guarantees that your vehicle has the minimum third-party liability insurance required in the country you're visiting. This coverage typically includes:
- Compensation for injury or death caused to others
- Property damage to third parties
Your Green Card does not necessarily provide:
- Damage to your own vehicle
- Theft or fire coverage
- Medical expenses for you or your passengers
- Roadside assistance
For more comprehensive protection while traveling, you should consider either:
- Verifying that your existing comprehensive policy extends fully to foreign countries
- Purchasing additional insurance for your trip
What to Do If You Have an Accident Abroad
If you're involved in an accident in a foreign country while carrying a Green Card:
- Ensure everyone's safety and call emergency services if needed
- Exchange information with all involved parties, including:
- Names and addresses
- Vehicle registration numbers
- Insurance details (including Green Card numbers)
- Document the scene with photos if possible
- Complete the European Accident Statement form if available
- Contact your insurer as soon as possible
- Note the contact details of any witnesses
Pro Tip
Save the contact information for your insurance company's emergency assistance line in your phone before traveling. Many insurers have dedicated 24/7 hotlines for clients abroad.
Common Green Card Myths and Misconceptions
There are several misconceptions about the Green Card system:
- Myth: A Green Card provides comprehensive insurance abroad.
Reality: It only guarantees the minimum third-party liability coverage required by law. - Myth: You always need a Green Card when driving in another country.
Reality: Within the EU/EEA, a physical Green Card is typically not required for vehicles registered in EU/EEA countries. - Myth: The Green Card must be green.
Reality: Since 2020, insurers can issue them in black and white, making them easier to print at home. - Myth: Digital Green Cards are accepted everywhere.
Reality: While some countries accept digital versions, many still require a physical document.
Conclusion
The Green Card system is a valuable tool that facilitates international travel by ensuring drivers have appropriate insurance coverage. If you're planning to drive abroad, particularly outside the EU/EEA, it's advisable to:
- Confirm with your insurer whether you need a physical Green Card
- Understand exactly what your insurance covers in foreign countries
- Consider additional coverage for comprehensive protection
- Keep your Green Card with your vehicle documents throughout your journey
By understanding the Green Card system, you can ensure a smoother, stress-free driving experience when crossing international borders across Europe and beyond.
