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The lowdown on Swiss liability insurance: not mandatory, but you would wish you had it, should an issue arise. Want to find out more? Let me know . . .

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Reading through my company’s insurance provider’s annual “defining of the wounds.”


Getting the proper fire extinguisher for your home is recommended. Look at the different fire types when buying a fire extinguisher.

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Insurers send no-deal Brexit warning to motorists
Traffic congestion on a motorway near the Northern Ireland border. Photo: PA

A no-deal Brexit could force British drivers in the EU and Irish drivers in Northern Ireland to carry additional documents, insurers have warned.

The special green insurance cards are internationally recognised and will prove to authorities that a given vehicle has adequate motor insurance cover.

The warning by British and Irish insurers comes in spite of European insurance bodies already agreeing to waive the green card requirement in the event of a no-deal Brexit, as that agreement has not yet been approved by the European Commission.

EU regulations require motorists from outside the bloc to carry these documents as proof of insurance, and British authorities will introduce a similar requirement for those from outside the UK.

The documents typically remain valid for the duration of a given insurance policy.

READ MORE: Ireland steps up no-deal planning amid Westminster chaos

“As it looks increasingly possible that a no-deal Brexit may happen, we want all insurance customers to know the facts about what this means for them,” said Huw Evans, director general of the Association of British Insurers.

The requirement will prove a thorny issue in Ireland, where motorists routinely drive across the seamless border with Northern Ireland several times a day.

Statistics suggest that the border in Northern Ireland sees approximately 110 million crossings each year.

“If you live in Northern Ireland and drive to the Republic of Ireland, or if you plan to drive your vehicle to mainland Europe after a no-deal Brexit, you will need a green card to prove you are insured,” Evans said.

READ MORE: What exactly is a no-deal Brexit?

Insurers have advised that drivers should apply for a card at least a month in advance of requiring one. Brokers will begin issuing the documents to policyholders from March, ahead of the UK’s withdrawal from the EU on 29 March.

After that point, Irish-registered motorists wishing to drive in the UK, and UK-registered drivers wishing to drive in Ireland and the rest of the EU, should expect to have to carry the document when doing so.

Motorists may also be required to carry an international driving permit to drive within each jurisdiction in the event of a no-deal Brexit, with the UK government already planning to offer these documents at post offices from next month.

Neither document will be required if the UK ends up signing a Brexit deal with the EU.

“Our hope is that a deal will be agreed between the UK and the EU, meaning there will be no disruption to the motor insurance status quo for those travelling between the Republic of Ireland and Northern Ireland and UK,” said David Fitzgerald, CEO of the Motor Insurers’ Bureau of Ireland.

So Put out with Insurance right now...

So I had cellulitis (a bad infection) in my jaw/cheek and a giant abscess, under two teeth that had to be pulled out and my bone scraped, from a bad root canal (fun!) that was infected and swelled to the size of a grapefruit making me look like Quasimodo for a week and nearly killing me.

I had to be admitted to the hospital. I have two auto-immune disorders, so infections are a big deal for me.

I can’t take regular anti-biotics due to penicillin allergies, so I have to take Clindamycin. This with pain meds makes me violently nauseous. So I have to take nausea meds every time I take my other meds, each 6 hours.

Thing is, insurance can’t figure out why I need more than 10 Zofran a month, despite the ER doctor prescribing it.

So the oral surgeon can give me as much high dose Phenergan as he wants, which is waaaaay stronger, and knocks me out for 16 hours a day.

Thing is I can’t take my anti-biotics, hydrate, regulate my blood sugar etc if I am ASLEEP!

Plus I’d like to live my life.

I have about 30 more antibiotics left to take. I need nausea meds with every antibiotic.

Insurance, I need Zofran to not puke violently, be awake, and not go into a diabetic coma.

You’d think an Er doctor prescribing something would be pre-approval enough, but no.


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