What Is a Green Card Insurance Policy?
A Green Card is an international motor third-party liability insurance policy that provides coverage while driving abroad. In essence, it is the international equivalent of MTPL insurance (Motor Third-Party Liability Insurance): if the policyholder causes a road accident, the insurance company that issued the policy guarantees compensation to the affected party. It is important to understand that this insurance does not cover repairs to the at-fault driver's vehicle, but it helps avoid unexpected expenses related to damage caused to another person's vehicle.
A Green Card is a mandatory document for travelling abroad by car. Even if you manage to cross the border without this policy, you may be required to present it in the event of an accident. If the at-fault driver does not have a valid Green Card in Europe, they may face a fine of approximately €1,000, deportation, and a subsequent ban on entering the country.
In Ukraine, insurance compensation under Green Card agreements is guaranteed by the Motor (Transport) Insurance Bureau of Ukraine (MTSBU). Only insurance companies that are members of MTSBU are authorised to issue Green Card policies, and these are exactly the insurers represented on Portmone.
A Green Card policy is issued for a specific vehicle. The insurance coverage applies to any driver who is legally entitled to operate that vehicle. The certificate is standardised, follows a unified format for all members of the international motor insurance system, and is valid in 46 European countries (as of 2022). These include Belgium, Austria, Bulgaria, Portugal, Romania, Ukraine, Serbia, Poland, Ireland, France, the United Kingdom, Spain, Greece, Israel, Moldova, and many others. The full list of participating countries is available on the MTSBU website.
The claims settlement process works as follows: if an accident occurs abroad, the Green Card Bureau of the country where the accident took place handles the claim. After compensating the injured party, the Bureau submits a recovery claim to the insurer that issued the Green Card policy to the at-fault driver. Compensation is paid in accordance with the laws of the country where the accident occurred.
Why Do You Need Green Card Insurance for Your Car?
Many drivers believe they do not need to buy a Green Card online because they drive carefully and are unlikely to be involved in an accident. However, if an accident does occur, compensation for damage caused to another person's property or health will have to be paid from your own funds.
It is important to remember that the cost of vehicle repairs and medical treatment in European countries is significantly higher than in Ukraine, and you may simply not have sufficient funds to cover these expenses. Moreover, in most European countries, a Green Card policy is mandatory, and without it you may be denied entry.
The absence of valid insurance abroad may result in:
- deportation and a future ban on entering the country;
- a substantial fine (at least €1,000);
- seizure or even confiscation of the vehicle.
For this reason, it is better not to neglect purchasing insurance. It can help you avoid numerous problems both at the border and during your stay abroad. With our service, you can buy a Green Card online in just 5 minutes, without spending time searching for the nearest insurance office.
Green Card Insurance Compensation Limits
The amount of compensation available under a Green Card policy corresponds to the statutory liability limits established in the country where the road accident occurred.
Green Card Insurance Cost and What Affects It
The cost of a Green Card policy is determined by two factors:
- the policy term;
- the type of vehicle (passenger car, truck, trailer, motorcycle, scooter, or bus).
Insurance tariffs are established by a single regulatory authority and are therefore identical across all companies issuing Green Card policies.
Policy validity periods may vary. The minimum available term is 15 days, while the maximum term is 12 months. Therefore, if insurance is required for a longer period, the policy must be renewed annually.
Buy a Green Card for Your Vehicle Through Portmone
Previously, Green Card insurance was issued only in paper form. Today, it can also be purchased electronically. Buying a Green Card online helps save time and simplifies the process.
You can purchase a policy through the Portmone service. Our platform fully automates the insurance issuance process and allows you to obtain a policy in just 5 minutes. All you need to do is provide the required information, and you will receive your insurance contract electronically. If necessary, it can later be printed in accordance with the recommendations of the Motor (Transport) Insurance Bureau of Ukraine.
You can purchase a Green Card online at any time, even while waiting in line at border control. At the same time, Portmone helps you avoid unnecessary expenses.
To purchase insurance, follow these simple steps:
- Select your vehicle type: passenger car, trailer, truck, motorcycle, scooter, bus, or electric vehicle.
- Specify your region.
- Enter the date from which the policy should become effective.
- Specify the period of stay abroad (from 15 days to 1 year).
- Review the offers from verified insurance companies and choose the one that suits you best.
- Enter vehicle information (make, model, year of manufacture, VIN) and driver details (international passport information and tax identification number).
- Complete the payment using a bank card.
After payment, a confirmation message and a digital copy of the policy will be sent to your email address. The policy is also registered in the MTSBU database.
What Documents Are Required to Obtain a Green Card?
To purchase a Green Card in Kyiv or any other city in Ukraine, you will need:
- a driver's licence (for individuals) or a company registration certificate (for legal entities);
- the vehicle registration certificate;
- an international passport;
- the vehicle owner's tax identification number.
Where Is the Best Place to Buy a Green Card?
Of course, you can purchase a Green Card from representatives of foreign insurance companies when crossing the border. However, buying a policy through our website offers several important advantages:
- fast online purchase;
- no additional charges for printing documents at border checkpoints;
- coverage valid in 47 countries;
- flexibility in choosing the policy term;
- Ukrainian-language support in the event of an insured incident;
- the opportunity to purchase a Green Card at a lower cost.
In addition, Portmone works exclusively with trusted insurers that have a proven reputation, eliminating the risk of purchasing a policy from fraudulent providers.
When purchasing a Green Card, it is important to remember that the policy becomes effective on the date specified in the insurance certificate or on the day following its purchase. Therefore, it is recommended to obtain the policy at least one day before your planned trip.
You can also renew your insurance online while staying abroad. Simply select and pay for the policy through Portmone, and it will be delivered to your email address.
How to Verify the Authenticity of a Green Card Policy
You can independently verify the authenticity of your Green Card policy and ensure that your information has been entered correctly through the official MTSBU website.
To perform a verification, you will need:
- the vehicle registration number;
- the policy number.
In the centralised MTSBU database, you can check:
- the current status of the policy;
- the policy validity period;
- the vehicle inspection status;
- information about the insurer that issued the policy.
Buy Green Card Insurance Online from Leading Ukrainian Insurance Companies
Portmone is an online platform that allows you to purchase a Green Card quickly and conveniently. Through our service, you can buy a Green Card policy from leading Ukrainian insurance companies, including:
- UNIQA;
- INGO;
- Kniazha;
- Universalna;
- VUSO;
- ORANTA;
- PZU Ukraine Life Insurance;
- and many others.
Our service cooperates exclusively with verified MTSBU member companies, ensuring that all insurance obligations are fulfilled. When selecting the best offer, pay attention not only to the price of the policy but also to any additional terms and conditions.
Choose Portmone! Here you can not only purchase a Green Card online, but also buy MTPL insurance and travel insurance. With us, every transaction is fast, simple, and convenient.