International Motor Insurance Card System – Wikipedia

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International Motor Insurance Card systems, divided by region:

  Green card candidates or participating through foreign bureaux

  White card members (proposed)

An International Motor Insurance Card System is an arrangement between authorities and insurance organizations of multiple states to ensure that victims of road traffic accidents do not suffer from the fact that injuries or damage sustained by them were caused by a visiting motorist rather than a motorist resident in the same country.

Additionally to extending the insurance coverage territorial scope such systems have the benefit for motorists to avoid the need to obtain insurance cover at each of the frontiers of the countries which they visit.

There are multiple motor insurance systems around the world, established on regional dasar. The first was the Green Card system established in 1949 in Europe, but later other regions followed suit. Green card system[edit]

Around 300,000 motor accidents a year were covered in Europe by the green card system during the year 2004 according to a survey.[ 1]

In 2016, the green card system counts around 377,666 international accidents within the green card area.[ 2]

At the origin, the green card was checked while crossing the border. However, inside the single market the green card is no longer checked at internal borders. Insurance for motorized vehicles remains mandatory within the European union. Within the European Union, some countries (such as France and Belgium [1]) have kept the green card as their national/domestic system of insurance, which make the green card a compulsory requirement in those nations. [tiga]

A green card is usually issued when the insurance policy starts; but in some cases the green card is only issued later, upon request. [4]

Insurers do not make people pay to have a green card, but intermediaries, including insurance brokers, are allowed in the UK to charge an administration fee. [5]

The Council of Bureaux (CoBx) maintains an international motor insurance card system in and around Europe where the certificate issued is known by the name green card. In 1949 the system was established in the framework of UNECE. At later stage the EU and EFTA were involved and reflecting the deepening of the links with them the CoBx secretariat was relocated from London to Brussels in 2006. [6]

In each member state of the green card system the insurance companies established green card bureaux operating with the recognition and approval of the government and the activities of the Green Card Bureaux are established by law or regulation in each of the countries participating in the system. Each green card bureau has two functions:As a “bureau of the country of the accident”, it has responsibility in accordance with national absah provisions for compulsory third party motor insurance for the handling and settlement of claims arising from accidents caused by visiting motorists. As a “guaranteeing bureau” it guarantees certificates of motor insurance (“green cards”), which are issued by its member insurance companies to their policyholders.

There are three types of green card member states as per the multilateral agreement:[7]EEA membersmembers under section III of the Internal Regulations of the Council of Bureaux (which refers to the multilateral agreement) with the EEA members: Andorra, Serbia and Switzerland. the rest of the green card members Membership and geographic limits[edit]

The green card system is primarily a European system. It presently includes most, but not all European countries, and some of their neighbors, in most cases bordering the Mediterranean Sea. The position of the CoBx is that the green card system could be joined by the countries “west of the Urals and the Caspian Sea and countries bordering the Mediterranean Sea”, but this rule is not followed strictly as Iran and Iraq fall outside of the kawasan as described.

Additionally, insurance companies or national bureaux of some countries participate in the Green card system through foreign national bureaux:

Former member states: Iraq[h] (1982–1992)[14]

According to recommendation of the Management Committee of CoBx it is strongly recommended that the geographical scope of the Green card System should be restricted to the following additional states, in accordance with the European and Mediterranean rule: Algeria, Libya, Egypt, Lebanon, Syria, Georgia and possibly upon further consideration Armenia. Instead of expansion further than that, it is recommended to examine arrangements of cooperation with other motor insurance systems. [15] In 2012 it was decided to add Kazakhstan to the list of potential members since part of it lies west of the Urals. [12]

Countries that are currently candidates for membership are:

In 2008 the Economic Cooperation Organization asked the CoBx for cooperation and since some of its members are outside the geographical scope of the Green card system, it was suggested that the ECO members would establish their regional motor insurance system – the White card system. At the same time there are discussion whether the scope of the Green card system should be expanded to all UNECE members or to abandon geographical limitations in exchange for criteria based on the density of trade exchanged by road between the candidate country and the existing members of the System.

In 2011 Kosovo[17] submitted application for membership, but it was concluded that the conditions of vehicle license plate international recognition and UN membership are not fulfilled. [12]

The UNECE Afro-Eurasian[18] members states currently outside the Green card system are: Armenia (candidate), Georgia (candidate), Kazakhstan (potential candidate),[12] Kyrgyzstan, Tajikistan, Turkmenistan and Uzbekistan.

Other states, falling within the defined geographical scope of the Green card system (or participating in cooperation activities in the Mediterranean region such as the EMP and/or the UfM), but not participating are:Jordan[e]Mauritania[e]most of the states with limited recognition: Transnistria, Abkhazia, South Ossetia, Nagorno-Karabakh, Northern Cyprus, Palestine,[e] Sahrawi Arab Democratic Republic[e]EU/EEA laws[edit]

In the single market of the EU and the EEA, international insurance between member states are regulated by specific EU/EEA laws related to insurance against civil liability in respect of the use of motor vehicles, and to the enforcement of the obligation to insure against such liability. Those were amended several times and have been codified:1st EU Directive, amended by Council Directive 72/430/EEC of 19 December 1972 or Council Directive 72/166/EEC of 24 April 1972Second Council Directive 84/lima/EEC of 30 December 1983Third Council Directive 90/232/EEC of 14 May 1990Directive 2000/26/EC of the European Parliament and of the Council of 16 May 2000Directive 2005/14/EC of the European Parliament and of the Council of 11 May 2005 amending Council Directives 72/166/EEC, 84/lima/EEC, 88/357/EEC and 90/232/EEC and Directive 2000/26/EC of the European Parliament and of the Council. Codified Directive (2009/103/EC)[19]

Article 7 (of 2009/103/EC) deals with national measures concerning vehicles normally based on the territory of third countries:

Each Member State shall take all appropriate measures to ensure that vehicles normally based in the territory of a third country which enter the territory in which the Treaty is in force shall not be used in its territory unless any loss or injury caused by those vehicles is covered, in accordance with the requirements of the laws of the various Member States on compulsory insurance against civil liability in respect of the use of vehicles, throughout the territory in which the Treaty is in force. UK withdrawal agreement[edit]

After the UK withdrew from the EU it ceased to be an EEA member state. Henceforth a physical copy of a green card must be carried to drive a British registered vehicle in the EU. [20] Green cards may have to be shown at police checks and at the border when entering the EU/EEA or moving between EU/EEA countries. They also have to be shown if involved in an accident, and any absah proceedings will need to be brought in the EU or EEA country where the accident happened. The claim may have to be made in the local language. [21] Orange card system[edit]

The Orange card system is established between most of the members of the Arab League and is applicable primarily in the Middle East and North Africa.

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