From next monday no more paper insurance certificate (also called a green card) and the removable certificate (the green insurance label). These two documents, well known to motorists, will no longer be sent when renewing a contract or signing a new one. As a result, you will no longer have to display the green sticker on your windshield. And the 35 euro fine for not showing up will also disappear.
When signing a contract, insurers will have 72 hours to complete the Insured Vehicle File (FVA): license plate number, name of the insurer, contract number, period of validity of the contract. This file can be consulted by law enforcement to verify that the vehicle is properly insured. Individuals can also check if their vehicle is properly insured through this site.
Please note that insurers will provide a note of the insured vehicle which will gather all the information related to the contract. Its form will depend on your insurance company – on paper or electronically through an application – but it is advisable to be able to access it easily. The information will be necessary in case of discovery.
The result is savings on paper but also in costs for insurers. It is estimated that printing and sending green cards would represent about 1,200 tons of CO2 per year. Insurers are expected to save €60 million in printing and shipping costs for insurance companies.
But the disappearance of this green card does not mean that car insurance is no longer mandatory. All motor vehicles must be insured and lack of insurance can result in a fine of 500 euros. Repairers warn about the disappearance of paper versions in the first weeks. According to a study by Leocare, 37% of motorists did not know it in mid-March.
“We need certain information for reception and repair. The FVA does not tell us what the level of coverage, the guarantees, the deductible is, explains Pierre-Yes Desjeux, general director of France Parebrise. There will be some adaptation time.”
Hence the importance of the Memo to have all this information.
Professionals, insurers and mechanics alike remain convinced that this move to FVA and Memo will limit fraud. Without forgetting that there is the long-term possibility of automating insurance control. It is said that nearly 680,000 vehicles are circulating without insurance in France.
Beyond insurance, this is a fundamental move that affects other papers related to your car. Starting with the license. Since February 14, the driving license can be integrated into the France Identity application, whether the permit in credit card format, the European permit or the permit in three-part paper format. The only obligation: to have dematerialized your identity card to create your account, but this time only the one that is in credit card format can be used.
Then will come the dematerialization of the registration document. No date has been announced yet, but a trial phase will be launched at the end of the year. Dematerializing the registration document makes sense because the entire procedure to change the ownership of this registration document is already done online.
Source: BFM TV
