Car Insurance. Soon the end of the green card?

Gendarmes Var

This is a subject that has been on the table for a long time. Insurers are campaigning to remove the green card and the insurance certificate (the famous sticker), in favor of a digital document. Since 1er January 2020, insurance companies can issue their certificate in black and white. However, the motorist still has the obligation to print his certificate. For example, in Europe, Germany has already switched to dematerialized format since 2008.

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A file to list everything

During an inspection, the police can consult the Insured Vehicles File (FVA) to check the motorist’s insurance contract.

Naturally, the abolition of the green card and its certificate requires a modification of the regulatory framework. Created in January 2019, the File of Insured Vehicles (FVA) already lists, as its name suggests, all vehicles insured in France. The FVA is fed by the insurers and updated as soon as there is a modification made in the contract. It is thus as much or even more reliable than the sticker, which can be easily falsified. Moreover, Maif stresses that ” the police authorities verify that the vehicle is properly insured by directly questioning the FVA during checks on the side of the road or by radar “. In addition, France Assureurs recalls that there is no need for a green card or certificate to circulate in other European countries, including Switzerland.

A not-so-green card

Insurance sticker
Making the green card digital would avoid the release of 1,237 tonnes of CO2 linked to the printing and sending of this document, according to ADEME.

According to the federation France Assureurs, (formerly Fédération Française de l’Assurance), the dematerialization of paper documents brings three other advantages in addition to the fight against fraud. The first concerns the insured directly since he would no longer need to replace the sticker on his windshield. This will avoid a fine (35 €) in case of forgetting. Abolition of the certificate and the insurance certificate would also benefit insurers, who would see their administrative procedures streamlined. This would contribute to a final advantage, this time ecological: there would no longer be any need to send the documents to the motorist by post. Digitization would thus avoid the printing and shipping of 50 million certificates. According to the ADEME (French Environment and Energy Management Agency), each year, these two operations alone generate the release of 1,237 tonnes of CO2.

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