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End of the green car insurance sticker on April 1, 2024

GeopolintelEnd of the green car insurance sticker on April 1, 2024

Geolintel - March 19, 2024

April fools or April poison that is the question. The dematerialization of everyone's life is always presented as environmental progress since the saving in printing these green stickers will represent a carbon saving and millions of euros.

   

The height of this hypocrisy is the duty to keep an insurance certificate in your vehicle.
When taking out a contract, the insured will receive a single document from their insurer, the Insured Vehicle Memo. It is advisable to leave this document in the vehicle in order to have access to this information at any time.

The abolition of the green card is supposed to fight against fraud and non-insurance, but above all to increase the control of motorists by the authorities. We are witnessing the privatization of personal data by the State to increase repression and sanctions.
The decree relating to the abolition of the automobile “green card” was published in the Official Journal on December 9, 2023. This decree represents an important step forward in simplifying the administrative life of the French.
With the centralization of insurance information, 680 vehicles, according to Road Safety estimates, will be scrutinized to track down automobile non-insurance.

Increase in the price of car insurance

In 2024, car insurance prices will increase further, 49% of French people do not know how much the increase in their insurance rates will be.
Faced with this inflation of automobile insurance, policyholders are struggling to pay for repairs after an accident due to the increase in the price of repair parts.
With the new insurance files, the State will know whether the vehicle is legal to drive or not.
If we add to this the end of repairs for vehicles over fifteen years old, it is a real tyranny which will weigh on the shoulders of the French people affected by these new decisions.

The average price of car insurance in France is €630 per year and the increase in costs for parts and insurance will force the insured to take out third-party insurance to maintain their car budget.
Any owner of a vehicle in circulation must have at least civil liability insurance (required by Article L211-4 of the Insurance Code).

Third-party car insurance offers the legal minimum level of coverage imposed by the Insurance Code. This guarantee allows you to repair damage caused to others by your vehicle but does not take into account the damage you suffer.
Everything is done to encourage people to limit vehicle maintenance and a new decree requiring examination to ensure the reliability and safety of the vehicle through a technical inspection, would be dramatic for the motorist. This project is in the “boxes” and would condemn the insured to no longer being able to use his car with all the consequences that ensue.

Modernization and control

Since May 2023, the automobile technical inspection has included two new checks: the automatic emergency call and the collection of information relating to fuel consumption. If the first can give rise to a counter-inspection, the second is not obligatory. “eCall” is mandatory on all new cars sold since 2018. It is an automatic emergency call in the event of an accident to the emergency services and which transmits the GPS coordinates of the position of the accident vehicle. The other OBFCM regulation (On Board Fuel Consumption Monitoring, i.e. “automated measurement of fuel consumption”), enacted by the European Commission for all vehicles put into circulation since January 1, 2021, requires manufacturers to install software that records consumption data. The aim is to be able to collect information on actual consumption and to prove whether excessive speed caused an accident.

The car, a concern for insurers

In 2022, insurers paid more than 50 billion euros in compensation to their customers, including 10 billion for natural disasters. Insurers, for the sake of economy, are looking for those who are unlucky and bad payers. More than a million French people have had their insurance canceled and this purge is not over. In the event of a recurrence of a claim, the insured may be terminated by his insurer without any justification other than that it costs too much.

Car insurance is intended to cover risks; in the event of an increase in responsible or non-responsible claims, the insurer can cancel you without arbitration. The reasons given are: Unpaid premiums, accumulation of claims, aggravated risk, false declaration, omission or inaccurate declaration, missing documents (license, information statement, registration document). According to article A.211-1-2 of the insurance code, your insurer also has the right to terminate you after a claim if this is mentioned in the general conditions of your contract in the “termination” section.

How long will we continue to accept this tyranny over motorists?

Geopolintel March 2024

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