Frequently Asked Questions (FAQ)Answers to the most common questions. If you can’t find the answer you’re looking for, please feel free to use our forum.
I’ve heard that you don’t need a Green Card to drive around Europe. Is that true?
Yes. The Law states that you don’t need a Green Card to Cross borders within the EU. That’s because all countries in the EU comply with the First Directive. The minimum insurance coverage required by each member state is covered by any motor insurance policy taken out within the Union.
The Green Card also isn’t necessary for certain countries such as Croatia, Iceland, Norway, Switzerland and Andorra, even though they aren’t in the EU.
You do need the Green Card to travel to the following countries:
- Bosnia and Herzegovina
- Montenegro (not needed from 02 August 2021)
In these countries where you do need a Green Card don’t ever forget to carry one. The Green Card is your only way of proving you have Civil Responsibility coverage in case of an accident.
If you cause an accident out of Spain, identify yourself providing details of your vehicle and insurance. Show your Green Card to the victim and/ or the Emergency Services who attend the accident. Inform the Green Card Bureau of the country where the accident happened and your insurance company. Between them they will deal with your accident.
Try to use the European Accident Statement if at all possible.
I need Travel Assistance! I had a problem with my vehicle abroad, who do I call?
I’m going to travel to one of countries where I’ll need the Green Card. Where can I get one?
So, your first option is to ask your insurer who will probably be able to help you. If not. Then your second option is to pay for Border Insurance at the border of the country in question.
What is the green card?
Questions about accidents in EU
I had an accident in Spain and the responsible was a foreign vehicle. I have the data of his insurance company. What should I do?
You should find the correspondent in Spain of that foreign company. In order to do that our web page includes a section in which you can easily find the correspondents and his contact details, so you can send him your claim.
The representative must give a reasoned reply to your claim within 3 months.
I had an accident in Spain caused by a foreign vehicle but I do not have the data of his insurance company. What should I do?
I have suffered an accident outside Spain in the Community territory, in which the responsible was a foreign vehicle. I have the data of its insurance company. What should I do?
I have caused an accident to a foreign vehicle. What should I do?
If you have a valid insurance coverage, do not worry. Inform your insurance company about the accident as soon as possible, with all the details and they will deal with it.
What are the National Bureaux of Insurance and what are their functions?
Every country which forms part of the Green Card system has a Body that includes all the vehicle insurance entities and that has the obligation to guaranty the correct operation of the compulsory third-party motor insurance in the international circulation, that means the national vehicles in other countries and vice versa, vehicles of other countries in its own territory.
The obligation of driving with insurance and the protection of the victims are guaranteed, between States, through the National Bureaux,
which also organize the handling, liquidation and payment of the accidents in which there is an international element. Each Bureau has specifically two functions:
International function: To guaranty that the normally based (registered) vehicles in its territory, are correctly insured in order to take care of the damages they cause within other States.
Internal Function: To guaranty that the victims or the harmed people in their own country by vehicles, whose registered number belongs to another country of the system, are compensated by the insurer of this vehicle or by its National Bureau.