Sunset over farm

NFU Mutual and Brexit

What will Brexit mean for NFU Mutual policies?

The UK exited the EU on 31st January 2020, although there is now a subsequent transition period until 31st December 2020. During this time, the UK will continue to be subject to EU rules while negotiations between the two continue.

The vast majority of our customers’ policies will not be affected by Brexit. Typically NFU Mutual customers insure their homes, farms, cars and much more in the United Kingdom, and customers with insurance policies for these UK risks won’t see any change to their cover.

A small number of NFU Mutual customers insure risks in the Republic of Ireland which are due to be affected by Brexit. We are communicating directly with customers who have any of these policies.

We will continue to monitor the political and regulatory landscapes closely during the transition period and we will communicate to our customers as soon as we have further relevant information.

The Government’s website provides information to help businesses and organisations prepare for Brexit: gov.uk.

Green Cards and driving your car abroad

All NFU Mutual motor insurance policies automatically provide the minimum cover required by law in every EU country (plus Andorra, Iceland, Liechtenstein, Norway, Serbia and Switzerland) for no extra charge. This will remain the same in the event of either a ‘deal’ or ‘no deal’ Brexit at the end of 2020.

However if there is ‘no deal’ between the UK and the EU at the end of the transition period you may also need a Green Card, which is a document that acts as an International Motor Insurance Certificate, to prove that you have this minimum cover.

This means that if you plan to drive your vehicle abroad after leaving, we will need to issue you with a Green Card, which you must take with you on your journey. You can get this by contacting your local NFU Mutual Agent or Mutual Direct. We will update this webpage further on whether a Green Card will be needed after the transition period when the final decision is known.

Most of our policies also provide cover to the same level as you have in the UK (e.g. if you have comprehensive cover in the UK, you will have that abroad). Please contact your local NFU Mutual Agent or Mutual Direct for details of the extent of cover applying to your policy, and for a quote to extend cover if necessary.

Driving in the Republic of Ireland

All of our motor policies provide cover in the Republic of Ireland to the same level as you have in the UK for no extra charge. This will still be the case after Brexit – but if there is a ‘no deal’ Brexit after the transition period you may need to get a Green Card to drive in the Republic of Ireland. We will update this webpage further on whether a Green Card will be needed after the transition period when the final decision is known.

When and how to apply for a Green Card

If you are an NFU Mutual motor insurance customer and plan to drive abroad after the UK has left the EU, you should contact your local NFU Mutual Agent or Mutual Direct approximately two weeks before you travel to see if a Green Card is needed. If required, we can issue a Green Card which will remain valid until your next annual policy renewal date, so that you do not need to request a further Green Card if you make a repeat trip.

We will continue to issue Green Cards throughout 2020, if you require one.

Please note that if there is a ‘no deal’ Brexit after the transition period and Green Cards are required, you MUST have a Green Card physically with you. International law does not allow us to issue you with an electronic version.

The situation regarding Green Cards may change if the UK forms an agreement with the EU in 2020. In this instance, we will update this web page with up-to-date advice.

Continental Breakdown Cover

The continental breakdown cover which we offer to our customers will also operate as normal. Please contact your local NFU Mutual Agent or Mutual Direct for more information.

Travel insurance and the European Health Insurance Card (EHIC)

In the event of a ‘no deal’ exit after the transition period, the European Health Insurance Card (EHIC) may no longer apply.  This makes it even more important that you have appropriate travel insurance in place to cover medical costs while you are travelling in an EU country, in the same way as you would when travelling to a non-EU country. For information on the cover NFU Mutual travel insurance provides, please speak to your local Agent or call Mutual Direct on 0800 316 4661.

NFU Mutual Life Policyholders who are currently living in the EU outside of the UK

If you are an NFU Mutual Life Policyholder who has moved outside of the UK to another EU country then NFU Mutual will continue to honour your policy regardless of the outcome or timings of the Brexit process.