Insurance: why could the green card disappear from our vehicles?


(Credit: © Gilles Paire-stock.adobe.com)

After 75 years of good and loyal service, the green card may well disappear. In any case, this is what the Federation of Insurers is proposing, for several reasons.

Created 75 years ago, the green card has been invited in all vehicles. This valuable document allows the forces of the control order of the car is bel et bien assurée, a legal obligation incumbent on all motorists. However, this document could disappear in the coming years, according to the MoneyVox information site. This proposal is supported by the Federation of Insurers for its many advantages: more simplicity, more ecology, less fraud … The point.

Is the green sticker effective against car insurance defects?

Appearing 75 years ago, and completed 40 years ago by the green macaroon to put on the windshield, the green vignette could disappear from the insurance landscape within a few years. Therefore, the role of this document is particularly important: law enforcement can thus verify that the vehicle and the driver are in order, with a valid car warranty … or close! Because the green sticker, issued once a year by insurance companies, is not updated in real time. In the event of termination by the insurer or the insured during the year, the paper document still appears to be valid, when in fact it is no longer valid.

It is this gap that is a problem for insurance companies, as well as the ease of falsifying such a document, which allows some drivers to drive without car insurance. However, this offense is severely punishable by law with a fine of 3,750 euros, which can be accompanied by a suspension or cancellation of a license and the confiscation of the vehicle. Nonetheless, about 750,000 motorists would drive uninsured in the Hexagon, according to 2018 figures from the National Interministerial Road Safety Observatory.

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The Rescued Insured Vehicle File

Le Fichier des Véhicules Assurés, or FVA, was created in 2016 with the aim of verifying the validity of the (quasi) real-time insurance policy. Thus, from 2019, law enforcement can consult information due to the registration number of the controlled vehicle. The data contained therein are updated very frequently, as insurers have a maximum of 72 hours to add any changes to a contract such as an underwriting, modification or termination.

In order to ensure more effective controls and to combat fraud, the Federation of Insurers advocates the use of this valuable tool, the FVA. During a roadside check, law enforcement therefore no longer checked the paper sticker or green macaroon on the windshield of motorists, but directly this computer file. They can already do this on a case-by-case basis, however, with a notable drawback, as this type of control is much longer than a glance at the green butterfly.

The other good reasons to end the green sticker

In addition to increasing the safety of all road users, the end of the green sticker has other benefits. For motorists, it will no longer be necessary to think about changing their macaroni every year, at the risk of forgetting it and only noticing it during a police check. By removing this paper document and sending it, the gain would also be ecological, so there will be 50 million green cards that would no longer be sent every year for all insured in the French car fleet. This will save insurers a lot of money, as the cost of these shipments is estimated at 300 euros per 1,000 stickers, which can be chosen to pass on to their customers’ car insurance premiums.

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