Insurance Green Card to Europe - the cost of 2019 and where to buy

To go to Europe by car,It is necessary to issue an insurance card Green Card (GreenCard) or on our Green Card, which will work abroad. The insurance card Green Card, in fact, is an analogue of our CTP (not to be confused with CASCO). That is, it saves the culprit of the accident from paying for the repair of those cars that suffered through his fault. The culprit of the accident in this scheme, no one pays anything.

I collected as much information as possible on green cards in one place, starting from the purchase, ending with the accident.

The content of the article

Green Card Costs to Europe

The cost of the Green Card is assigned to the RussianUnion of Insurers (PCA) and it is the same for all insurance companies. PCA publishes tariffs on its website and they are freely available. Ensuring that everyone has the same price is carefully monitored. So do not look for any promotional codes and discounts - they are not and can not be.

For example, a Green Card for 15 days in January-February 2019 costs 2830 rubles (depending on the euro exchange rate).

Price changes every 30 days on the 15th. In the past 2018, basically the price was all year - 2,450 rubles in 15 days, but rose to 2,830 rubles.

The cost of the Green Card to Europe and the CIS in January-February 2019

The cost of the Green Card to Europe and the CIS in January-February 2019

Where can I buy

Buy green card online in Moscow and St. Petersburg

So you will need the original Green Card, then withelectronic policy to go abroad is impossible. But you can buy it online with delivery to your home or office in Moscow and St. Petersburg, yet the 21st century is already in the yard. It is much more convenient than going to the office by yourself. Time save decently. The price is exactly the same.

Order a green card at home>

I already bought a couple of times insurance fromaccredited Alpha Insurance through polis812, and once in Liberty in the office. Yes, Liberty is an intermediary, but when everything is official, what difference does it make. But I don’t want to go to the office anymore, there’s no point when they just bring them home.

If the trip was canceled or postponeddates, the money can be returned only before the start of the policy. Polis812 returns 100% back without problems. Accordingly, when transferring the trip, you need to return the policy and then buy it again.

My insurance policy is Green Card purchased online

My insurance policy is Green Card purchased online

Buying in the office in the regions

There are a total of 8 officially accredited insurance.companies that can make a green card. These are the companies that have joined the Green Card system. Some companies have refused this, because according to the Green Card there is a large limit of liability. The rest act on behalf of one of these 10 or sell fakes.

  • OJSC AlfaStrakhovanie (most often everyone buys here)
  • JSC IC "Twenty First Century"
  • SPO "RESO-Garantia
  • PJSC IC Rosgosstrakh
  • LLC "IC" Agreement "
  • CAO "ERGO"
  • SAO "VSK"
  • AO SG "Spassky gate"
  • Find this list on the official PCA website.

    There is no difference in which company to issue a policy. Since this is a CTP, and not CASCO, then in case of any problems, you will not be dealing with your insurance, but the injured party in the accident (and since this is Europe, then most likely his lawyer). Therefore, it does not matter to you how well or poorly your insurance company works.

    Buy insurance at the border

    You can buy a Green Card at one of the points onthe entrance to the border is still on the Russian side, spending at this time. I do not know why it is necessary, but the people do it. Maybe the trip was very spontaneous, that the courier with the policy could not wait, and the insurance offices were already closed. Of course, we need a valid Schengen visato go so spontaneously.

    The points at the border are usually this, or mini-offices.specific insurance companies, or small items at gas stations, in cafes, or minibuses, parked along the road. There is a chance in this case to buy a fake than buying online or in the office. There is also a chance to purchase a policy, which will then be “forgotten” to be brought into the base. That is, I kind of bought insurance, but when checking or in case of an accident, it turned out that it was not valid.

    From 04/01/2014, the Russian Bureau of the Green Card banned the handwritten design of policies, all policies must be processed on a computer and immediately entered into the database.

    Why do you need Green Card insurance

    Do not want problems and hassle, immediately buy a Green Card in Russia before the trip. Or study all the nuances and prices, so as not to get into the story.

    • Insurance is always asked at the border upon entry.to Schengen. If it is not, then you will not be allowed into the country and may even roll a fine. If you are traveling through Belarus to Poland, then Belarusian border guards will not let you out of Belarus and you will have to go back to Russia to buy a green card.
    • To cross Belarus, you also need insurance, either their local or Russian green card. Based on the previous point, you still have to buy a green card.
    • In the absence of a green card at the border with somecountries will force you to buy local border insurance at a specified price. And its price is far from always low, a pre-purchased Green Card would be cheaper. For example, in Finland such insurance will cost about 100-130 euros.
    • A green card will also be asked upon return from Europe. If it is already over, it will be fine. At the border of Poland take 3700 zlotys (~ 850 euros) with payment on the spot. If there is no money, then the parking lot is in the nearest town. To the fine will be added the cost of the tow (150 euros) and for each day of parking. Then you have to buy Polish border insurance, another 20 euros. Therefore, it is better to make a Green Card for all days of your stay in the EU, and not just for the first 15 days, as some do to save. It is possible to "save" in such a way that it does not seem like a little.
    • Very bad advice: "I went back, insurance was not asked." Yes, there are cases when you did not ask for insurance, but you risk to fall on 1000 euros.
    • Sometimes in Europe stop to checkdocuments. Especially if you broke something. And in that case they can ask and check the insurance. Of course, the probability is small, but if the insurance does not appear, the consequences will be unpleasant.
    • In the event of an accident, of course, the Green Card is simply necessary, otherwise you may have to pay damages from your pocket.

    Buy Green Card Online>

    Do not forget that for a Schengen visa, you will need travel medical insurance. I have a separate detailed post about honey insurance in Europeread. There, and about the choice of medical insurance, and about how to save, and about all the nuances.

    What you need to know when buying a Green Card

    Documents and Validity

    Insurance A green card is issued for a car and the policyholder indicates the policyholder, not the driver. That is, anyone can drive a car and he does not need to be recorded in the policy. It is very convenient!

    In general, buying a green card is an extremely simple procedure. For this you will need:

  • Passport or foreign passport
  • Certificate of registration of the vehicle (or TCP).
  • A policy can be issued for at least 15 days, maximum for a year, but in steps of a month - for 1 month, for 2 months, and so on. If you are going to spend 16 days in Europe, you will have to buy a green card for a month.

    The insurance is valid on exact calendar dates.starting from the date indicated on the policy. That is, if you have issued a policy from January 1 for 15 days, then it will be valid for exactly 15 days from January 1 to January 15, regardless of when you entered, when you left, and whether you entered at all.

    Which countries are included in the Green Card?

    The Green Card system includes 46 countries: Russia, the whole of Europe, Israel, Tunisia, Morocco and Iran. For Russia, there are two categories of green cards:

    • All countries of the Green Card system
    • Cheaper category operating in the territory of "Ukraine, the Republic of Belarus and the Republic of Moldova"

    How not to fall for fraud

    There are several main types of fraud with the sale of green cards.

    • The agent may sell outright fake, thenthere is just a well-made copy printed out on a printer. A green card has degrees of protection, like a banknote, but it is difficult to verify it without special equipment. Like a banknote, actually.
    • The agent may sell the policy to the buyer for a year, and inthe copy of the policy, which he gives to the insurance, indicate that the policy is for 15 days. You need to carefully check what is written on the part of the policy that remains with the insurance company.
    • The agent may forget to give his part of the insurance to the insurance and register it in the database or do it late.

    Buy a green card in a verified place>

    What to check during purchase

    When buying a Green Card, you must check 2 things:

    • First, the insurance company from which the policy is issued - this should be a company from an accredited list.
    • And secondly, check the policy for errors, is it trueSet the registration number of the car. Often the question arises whether there will be problems if the transliteration of the name in the policy (as in the passport) differs from the transliteration of the name in the rights. There should be no problems with this.

    Frequently asked Questions

    How to get a Green Card earlier than 30 days

    This is only necessary ifconsulate requires a green card when applying for a Schengen visa. It does not happen often. The easiest way is to buy for a longer period than necessary, apply for a visa, and then return it back with the return of the full amount before the policy begins. Then buy again on the desired date.

    Read my post with all the ways, How to solve this problem.

    Can I buy a Green Card abroad?

    NOT.

    Buying a Green Card in another country is illegal. Under the agreement, Green Card policies in all countries where this system operates are issued only for vehicles registered in this country. Accordingly, in another country it is illegal to buy a green card for a car registered in Russia.

    What is Border Insurance

    Border insurance is not a Green Card,although somewhere on the Internet unknowingly they can call it that. Such insurance is purchased at the border of the country in which the entry is made. Unlike the green card, it will only work in some Schengen countries or the EU, or even only in one country. Conditions will need to be clarified for each insurance / country.

    Read my post, how to save by buying border insurance.

    To travel abroad from Russia you do not carewill have to buy a Russian green card, at least for 15 days. After all, Belarusian border guards will not let you go to Poland without a Green Card. And then it will be possible to buy "border insurance". By the way, the Russian Green Card is also valid in Belarus, so there will be no need to buy separate insurance for Belarus.

    For example, with Latvia, the green card and the border.

    For example, with Latvia, the green card and the border.

    Is it possible to extend the Green Card

    NOT.

    What to do if the insurance is over, and things are forced to stay in Europe? Actually the solution of this question is not a trivial task. In fact, there are only 2 options:

    • Buy border insurance
    • Ask your friends in Russia to go to the insurance office and then send it to you via DHL.

    Option to let everything go to chance - I do not consider. Ride with a printed copy, not the original, so-so idea. Alternatively, negotiate in social networks or on the forum with someone who flies to your edges. But IMHO it is much more difficult than to send via DHL or other transport companies.

    What to do in case of an accident

    The green card is an analogue of our CTP, money fromthe insurance of the perpetrator of the accident gets the injured party. And as in any similar situation, the insurance company is looking for opportunities not to pay or reduce insurance payments. What should be done to increase the likelihood of receiving money from the insurance.

  • Together with the rest of the accident participantsfill in the Accident statement - the European form of notification of an accident. It may be either the second participant of the accident, if he is European, or someone from eyewitnesses. Or it can be found at a gas station or in a roadside cafe. Here or here there is this form in Russian and English and the rules for filling out.

    Before signing it, you must make sure that everything is clearly understood.

    The main difference between road accidents in Europe and road accidents in Russia isthat the police does not come, if the damage is not significant and everything is clear from the perpetrators of the accident. European insurance companies need this form, which is completed and signed by both participants. But in the event that both participants in the accident from Russia and, accordingly, will have to go to the Russian insurance, it is better to go to the police and ask them to certify this form with a seal.

  • Take contacts from all participants in the accident,eyewitnesses, the police, if called. Insurance may require some information, and it will be good if you have a phone to call them from Russia and collect the necessary information.
  • The culprit of the accident must call his insuranceand inform them of the accident. You can call the information center of the Russian insurance company (RSA) by phone. +7 (495) 641 27 87 and to the foreign bureau Green Card (the phone is on the back of the policy). According to reviews, RSA does not help in this situation, although it should, but a foreign Green Card Bureau can help.

    If you do not have a common language with the second participant of the accident and / or the police, or have any difficulties and questions, you can call the Russian consulate of the country where you are.

  • P.S. I will be glad to your comments and good luck on the road!

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