NFU Mutual and Brexit

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.

A small number of NFU Mutual customers insure risks in the Republic of Ireland. There are some potential outcomes of the Brexit negotiations that might affect these policies and we have communicated directly with customers who have any of these policies.

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.

Green Cards and driving your car abroad

In the event of a ‘no deal’ Brexit, all NFU Mutual motor insurance policies will still be effective in the EEA. The international breakdown cover provided to our policyholders will also operate as normal.

However, if you intend to drive your vehicle abroad after the UK leaves the EU, you may need a Green Card, which is a form of international motor insurance certification, to provide evidence of your insurance to the local authorities.

We have already issued Green Cards to every customer in Northern Ireland who has an individual car, commercial vehicle or motorcycle insurance policy and we have contacted our fleet customers in Northern Ireland separately.

Once we know more information on the final date of exit, we'll also write to all our motor insurance customers in the rest of the UK with more information about Green Cards and how to apply.

Green Cards are valid until the next policy renewal date, so can be used for multiple journeys over that time. Policyholders wishing to tow a trailer, horse trailer or caravan outside the UK should get in touch with us so we can ensure that their Green Card includes cover for this.

When and how to apply for a Green Card

If you’re driving in the EEA between 29th March and 30th April, please contact your local Agent or call us on 0800 316 4661. Even if you intend to drive your vehicle in the EEA before then, you may still need a Green Card if you won’t return to the UK until after 29th March.

If you’re travelling in the EEA any later than April, please get in touch with us around two weeks before you travel.  We have no plans to charge for Green Cards but, as it must be a printed document, it may take a few days for a copy to be printed and posted to you.

You may also need the appropriate International Driving Permit or Permits for the countries you are driving in. You should be able to get any Permits from a main Post Office, but remember to leave time to apply. Please check the latest guidance from the UK government for more information.

Travel insurance and the European Health Insurance Card (EHIC)

In the event of a ‘no deal’ Brexit, 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.