BREXIT & YOUR INSURANCE

Union Jack and EU flags flying in front of The Houses of Parliament

Now Britain has left the EU, you might have some questions about how these changes will affect your insurance. So, at The Insurance Emporium, we wanted to reassure you, our valued customers, about your policies with us.

How does Brexit affect your policy with The Insurance Emporium?

If you’re an existing policyholder, don’t worry. Your cover should not be affected and will remain valid. If anything changes, we will update this blog as any updates occur and will also update policyholders’ if there is any change to the level of cover on their policy.

Rest assured, we remain committed to protecting your pets, horses and the other things in life that you love. We’ve detailed information you might need to know below. If you have any further questions regarding your policy, please don’t hesitate to get in touch with our friendly, award-winning Customer Contact team on 03300 244 005.

What you need to know about your insurance policy

While we continue to provide the same level of cover as always, we understand you may have some questions as to how your insurance policy is affected by Brexit.

For the foreseeable future, our Pet, Equine, Caravan, Camera, Cycle, Music, Fishing, Golf and Student insurance products are not affected by Brexit. Existing policyholders will still receive exactly the same level of cover as before, and there are currently no plans to change our products for new customers.

If we do have to make the difficult decision to change any policies, rest assured existing policyholders will be notified. This blog and our website product pages will also be kept up to date with the most relevant information.

Although your level of insurance cover has not been affected by Brexit, there are some things that will be important to consider if you are planning on travelling to an EU country.  

Pet Insurance

If you plan on travelling to an EU country with your pet, you may need to comply with certain guidelines. As some rules have changed, you will find if you hold a pet passport issued in Great Britain (England, Wales and Scotland) it is no longer valid for travel to an EU country, instead you will be required to obtain an animal health certificate.

Other requirements to prepare your pet for travel include, microchipping your dog or cat and having all relevant vaccinations up to date. A tapeworm treatment may also be required for your dog if travelling to certain EU countries.

We recommend reading the latest regulations ahead of travel by keeping an eye on the official government pet travel page, and you make sure to check the rules of the country you’re travelling to for any additional requirements. We also strongly advise contacting your vet at least four months in advance of travelling with them.

Equine Insurance

If you plan on travelling to an EU country with your horse or other equines, you may need to comply with certain guidelines, including applying for an export health certificate (EHC), checking you have the right equine identification and seeing whether you will need an export welfare declaration. Ahead of travel, it is required to comply to isolation and residency requirements, additionally you’ll need to factor having some blood tests taken and have your equine tested for certain diseases. 

We recommend reading the latest regulations ahead of travel by keeping an eye on the official government equine travel page, and you make sure to check the rules of the country you’re travelling to for any additional requirements. We also strongly advise contacting your vet at least four months in advance of travelling with them.

Caravan Insurance

If you plan on travelling to an EU country in your caravan, you may need to comply with certain guidelines. If you are driving your own vehicle you will need to bring your logbook (V5C) and your insurance certificate. You may need an international driving permit (IDP) to drive in some countries. If you’re planning on driving abroad, we’d recommend checking the official government driving in the EU page and check the countries overseas driving rules.

You may need a green card for both your car and caravan if driving in certain countries, you should be able to acquire one by contacting your car insurance provider. This proves that your insurance covers at least the minimum cover in the country you’re driving in.

You could be required to register your trailer before towing it aboard, this depends on the countries you are travelling through and the gross weight of your caravan. All trailers over 3,500kg require a registration.

Frequently Asked Questions

To help provide you with some further clarity, let us answer some of your most common questions about Brexit and your insurance policy with our frequently asked questions.

I’m an existing policyholder. Does Brexit affect my cover in any way?

At the present time, there has been no impact on our policyholders’ cover. If there are any changes to your policy, we’ll make sure to notify you in advance.

I’m a new customer wanting to take out a new policy. Are any of your products affected?

Our products are not affected at this time. If anything changes, we will update this page and our product pages with more information.

Do the claims or contact processes change in any way?

There are no changes to our claims process, and you can get in touch with our team in exactly the same way as before. Please visit our contact page for more information.

My policy includes European Cover. Will this benefit be affected?

At this point, there are no changes to any policy which includes European Cover. If this changes, we will contact all policyholders whose policies include European Cover and update our product pages with any new information.

The Insurance Emporium links

Don’t worry, you can still get in touch with us regarding your policy in the usual ways. Whether you want to view your policy details, make a claim or have any questions, here’s easy access to everything about your policy.

  • My Emporium Portal – Your online portal, where you have easy access to your policy details.
  • Purchase a New Policy – Looking for a new insurance policy? We can help!
  • Renew Your Policy – All the information you need to renew your policy with The Insurance Emporium.
  • Make a Claim – Everything you need to know about making a claim.
  • Contact Us – If you have any other questions, do not hesitate to contact us.

Helpful Brexit links

In case you have any concerns about how Brexit may affect you but not directly related to your insurance, we’ve compiled some useful advice to help you find out how the new Brexit rules apply:

Still have questions?

We hope our blog has been useful in answering any queries you may have had regarding Britain leaving the EU and what this means for your insurance policy. If you still have any remaining questions, please do not hesitate to contact us.

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