Car insurance: the green sticker on the windshield may disappear, here’s why

The green sticker and the paper certificate of insurance may soon be gone. (© Archive Le Courrier du Pays de Retz)

This is a small ritual well known to motorists: to affix his green sticker on the windshield of his vehicle to prove that he is well insured. This habit may soon disappear.

France Insurers, the national federation representing 247 insurance companies, has proposed to the government remove this vignette so that the insurance attestation.

“In order to simplify the lives of policyholders, insurers are proposing to remove the certificate of insurance in the form of a sticker and the certificate of insurance now materialized by the green card,” explained the beginning of the year. agency in a statement.

“Discussions are underway with the government,” a spokesman for France insurers told actu.fras indicated by the MoneyVox site.

Better fight against non-insurance

For insurers, this paper sticker system (created over 70 years ago) is now obsolete. Supposed to help “fight non-insurance” – while in France, according to figures from the National Interministerial Road Safety Observatory (ONISR), 770,000 vehicles were driving without insurance in 2021 – today law enforcement have access to an instrument deemed more effective by professionals, the Insured Vehicle File (FVA).

Implemented in 2016 and operational since 2019, this file, powered almost in real time by all insurance companies, “provides information on the insurance situation of each vehicle”: registration, name of the insurer and contract number and due date.

During a check, instead of checking the sticker on the windshield and the certificate of insurance, law enforcement can go directly to this file to be aware of the insurance situation of the vehicle.

Videos: currently on Actu

These paper documents have been useful for decades in combating non-insurance. However, law enforcement now has the tools to give them direct access to the Insured Vehicle File.

French insurers

Today, this Insured Vehicle File lists more than 56 million vehicles. Insurers must report any changes within 72 hours.

So, “Insurers believe that the FVA can serve as a single reference or control of insurance”justifies the federation of French insurance companies.

Driving without being insured, what is the risk?

We must distinguish two cases that can lead to sanctions during a car insurance check by law enforcement:

• You are well insured but have not affixed the famous green sticker or do not have your insurance certificate: you risk a second class fine of 35 euros.

• You are not insured at all: in this case, the lack of insurance is punishable by a fine of 3,750 euros, which may be accompanied by a suspension or cancellation of a driver’s license, with a ban on ironing permit within three years, as well as confiscation of the car.

To lower the cost of your car insurance, there are many tips.
50 million documents justifying the insurance are sent every year to the insured in France. (@Johann Foucault / actu.fr)

50 million documents sent each year

Another argument put forward by insurers, in addition to the simplification of controls, is the ecological and economic cost of these paper documents.

Every year, this administrative formality represents the sending of 50 million documents aux assurés.

If the documents were no longer sent by the insurance companies, it would obviously be a substantial turnkey savings for insurers. How long? Theoretical economics could amount to 17 million eurosaccording to MoneyVox, a figure that does not confirm to actu.fr the federation of insurers.

What are the consequences for policyholders? Regardless of the real economy realized, the assumption could be to lower the cost of car insurance contracts. “This is about all insurance,” says French insurers.

To the government to decide

However, in order to reach such a decision, the government needs to validate the proposal and allow them to decide. “France is one of the last countries to require its nationals to present a paper document,” the federation said, adding that in Germany this document has not existed since 2008. “

Discussions are underway, particularly with the Ministries of the Interior and the Economy and Finance, and they are “on track”, we assure a spokesman for France insurers.

Contacted by actu.frThe Ministry of Economy and Finance confirms that a “simplification of formalities related to the obligation to insure a motorized land vehicle is currently being considered” (electric scooters would not be affected).

“After completing the techniques of the works and consulting all the actors concerned, a decision could be rewarded by the government after the season “, Indicates the ministry.

Was this article helpful to you? Be aware that you can follow Actu in the My Actu space. In one click, after registration, you can find all the news of your favorite cities and brands.

Leave a Comment