NFU Mutual Agent in field with farmer and gun dog

NFU Mutual and Brexit

Updated 31/12/2020

 

What will Brexit mean for NFU Mutual policies?

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. 
 
We will continue to monitor the political and regulatory landscapes closely 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, Bosnia & Herzegovina, Iceland, Liechtenstein, Norway, Serbia and Switzerland) for no extra charge. There is no change at the current time.  
 
However, despite the conclusion of a trade deal with the EU, the EU Commission has not yet agreed that the UK is to remain part of the Green Card Free Circulation Zone, so you will need a Green Card to travel abroad with your vehicle – including in the Republic of Ireland. This document 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, 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.  
 
The ‘Green’ Card we issue can now be printed on white paper – but you must have a physical copy with you. Presentation in digital or electronic format (e.g. on a smart phone or table) is not acceptable. 
 
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. However, you currently need to get a Green Card to drive in the Republic of Ireland. If the situation changes, we will update this webpage further. 

When and how to apply for a Green Card

If you are an NFU Mutual motor insurance customer and plan to drive abroad from 1 January 2021, 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 if you require one. 
 
The situation regarding Green Cards may change if the UK is allowed to remain part of the Green Card Free Circulation Zone.  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)

Current European Health Insurance Cards (EHIC) may still be valid in some countries from 1 January 2021. The Government website provides up to date information about this: gov.uk. However, it remains important to have appropriate travel insurance in place when travelling outside the UK. For information on the cover NFU Mutual travel insurance provides, please speak to your local NFU Mutual Agent or call Mutual Direct on 0808 231 3755.

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 of the Brexit process. 

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 of the Brexit process.  
 
As an EU resident, if you have a UK bank account it is possible that it may be closed and will therefore be unable to receive monies paid by us.  If you are impacted by this, please contact us to arrange an alternative payment method by calling 0800 622 323 or emailing life_cst_mailbox@nfumutual.co.uk