Department for Transport — Motor Insurance Framework, November 2025

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   Motor Insurance Framework Participation in the Green Card-free Circulation Zone (GCFCZ) The UK lost automatic membership of the Green Card Free Circulation Zone established by the Directive as a result of Brexit. However the UK again became a member: on 30 June 2021 the European Commission issued Implementing Decision (EU) 2021/1145 which stated that with effect from 2 August 2021 Member States shall refrain from making checks of insurance against civil liability in respect of all types of vehicles normally based in the United Kingdom except for military vehicles registered therein, at their entry in the Union. This in effect confirmed the UK’s re-admittance to the Green Card Free Circulation Zone meaning that UK motorists have not needed to carry a Green Card from 2 August 2021 in the EU/EEA. Protection of Visiting Victims The UK lost access to the Visiting Victims system established under the Motor Insurance Directive. Compensation is still available to UK residents. The National Insurance Bureaux, who are signatories to the multilateral agreement that guarantees compensation for visiting victims, have agreed to continue their multilateral cooperation and will continue handling claims based on deemed insurance cover. Insurers of foreign drivers are no longer required to establish a claims representative in the UK and DfT has removed the compensation body obligations on MIB from UK legislation, as without this the MIB would have to pay out where a UK resident incurred damages by a foreign driver in the EU/EEA but the foreign compensation body wouldn't be obliged to reimburse MIB. This means that if a UK resident is injured by an insured vehicle in the EU/EEA, the individual would need to pursue a claim against the insurer in the foreign country, rather than through a UK-based claims representative. The MIB has said that they could still assist victims before they make a claim to get information in their language. There are no legislative requirements arising from this and the MIB acts for the whole UK so no separate arrangements are required for NI. For uninsured/untraced vehicles, the MIB has negotiated bilateral ‘Protection of Visitors’ agreements with the guarantee funds of EU/EEA countries so victims will still be able to claim compensation, but this would be done through the Guarantee Fund of the foreign country rather than the MIB Bilateral agreements have been agreed with all EU countries except for Romania, who have agreed in principle but are yet to make the requisite domestic legislation. This Common Framework will be an agreement between DfT and DfI. International obligations The international obligations that apply to this area are: • The Inter-Bureaux Uniform Agreement between all bureaux participating in the Green Card scheme (first signed in 1951 in support of a United Nations initiative).

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