#NEWS

16/04/2020

Covid-19: Car fleets, how to recover your green insurance cards during this lockdown period?

Whether your fleet insurance contract expires on the 1st April or 1st May, or whether you need a “green card” for a replacement or a new vehicle, you cannot, or will find it extremely difficult to, redistribute “green cards” to drivers due to the lockdown and any Business Continuity Plans that your company may have implemented.

 

“Green cards” are one of the means of checking that the vehicle is properly insured, just like the insurance attestation or its registration in the French register of insured land motor vehicles (Fichier des Véhicules terrestres à moteurs Assurés).

 

The insurance certificate (or green tag) must be stuck on the windscreen such that it is visible, whereas the insurance attestation must be able to be presented to the police in the event of a check. Since the 1st January 2019, a register of insured vehicles also exists.

 

 

What are the differences?

 

The certificate must always be displayed, even if the vehicle is parked or in storage. The front face must always be visible from outside the vehicle. It must indicate the following information:

– Insurer’s name;

– Policyholder’s number;

– Vehicle registration (or engine number if not subject to registration);

– Validity start and end dates.

 

In addition to the details on the certificate, the insurance attestation must state:

– Insurer’s address;

– Policyholder’s last name, first names and/or address;

– Nature and type of vehicle.

 

According to article A 211-7 of the French insurance regulations (Code des Assurances), the insurance certificate represents deemed insurance cover (however, without being absolute proof of guarantee) and must be able to be presented to law enforcement authorities during a roadside check.

 

There is deemed insurance cover for a period of one month after expiry of the insurance period mentioned on the documents by articles R 211-16 of the French insurance regulations for the insurance attestation and R 211-24-1 for the insurance certificate.

 

If the driver was unable to present an insurance attestation at a roadside check, they must go to the law enforcement authorities within 5 days with the valid document. Failure to present the insurance attestation within 5 days is punishable by a 4th category fine of €135.

 

 

In the current context, the law enforcement authorities will undoubtedly be tolerant, especially as they are company vehicles. However, to ensure that you are in compliance, we can propose two solutions.

 

– Verlingue places its digital platform Easy@ccess Automobile at your disposal. You can use this platform to print insurance certificates and attestations. They are valid from the moment they are printed. You can contact our teams at the usual numbers, for example, for new accesses.

– If necessary, Verlingue can also send “green cards” to the homes of your employees (please contact us for further information).
Lastly, Verlingue is continuing to register all your vehicles in the French register of insured land motor vehicles (Fichier des Véhicules terrestres à moteur Assurés).

 

 

Reference texts governing insurance certificates and attestations

– Insurance attestation French insurance regulations: articles R211-14 to R211-21 and A211-4 to A211-8

– Insurance certificate French insurance regulations: articles R211-21-1 to R211-21-7 and A211-9 to A211-10

– French register of insured land motor vehicles (Fichier des Véhicules terrestres à moteur Assurés): Decree No. 2018-644 of 20 July 2018 concerning the mechanism to fight against failing to secure civil liability motor insurance

 

 

All our teams are fully mobilised to answer all your questions and respond to all your requirements.

If you have any further questions, please contact Verlingue’s automotive department flotte.auto@verlingue.fr.