The International Motor Insurance Card contains a field which includes letters for several countries. The field only displays the letters of States whose national Bureaux are members of the Green Card System. It shows the complete territorial scope of the International Motor Insurance Card.
The insurer who emits the Insurance Card is free to exclude specific countries from cover. The insurer excludes the territory of a state from cover by crossing its letters out. Before going on a trip abroad, it is therefore important to check if the corresponding country code is displayed on the International Motor Insurance Card and not crossed out.
However, Swiss insurance companies are not allowed to exclude the States of the registration plate agreement from insurance cover and to cross out their codes on the International Motor Insurance Card (art. 63 par. 2 of the road traffic act SVG). This is of little importance though. The registration plate delivered by one of these States certifies sufficient MTPL cover when entering the territory of another country of the registration plates agreement.
The International Motor Insurance Card does not provide any cover for the territory of Kosovo. When entering Kosovo, the local authorities demand the conclusion of a frontier insurance policy. The other way round, drivers of vehicles registered in Kosovo also have to conclude frontier insurance policies when entering the territories of Green Card countries or the European Economic Area.
A precondition for considering a possible future cover by the International Motor Insurance Card for this territory consists in the accession of a forthcoming bureau of insurance of Kosovo to the Green Card System. For this, this bureau would have to become a member of the Council of Bureaux (CoB). However, the constitution of the CoB only permits the membership of bureaux from countries which are UN members. The declaration of independence of Kosovo alone does not fulfil this condition. The UN cannot admit Kosovo among its members before the country has not been recognised by the majority of the international community. This is the reason why the territory of Kosovo still remains excluded from the territorial scope of the International Motor Insurance Card.
Neither Swiss insurance companies nor the Swiss National Bureau of Insurance (NBI) are competent for dealing with demands for refund of frontier insurance policies issued in Kosovo. Requests for information and demands for refund concerning Kosovar frontier insurance have to be addressed to the Kosovo Insurance Bureau.
Kosovo Insurance Bureau
Fazli Grajqevci Nr.6
Prishtina 10000 Kosova
Office: +381 38 245 110
Fax: +381 38 245 110
The Association - National Bureau of Montenegro Insurers became a member of the Council of Bureaux effective 1 January 2012. The accession of the Montenegrin bureau is a direct consequence of the Serbian bureau's signature of the multilateral agreement. Since 1 January 2012, the Serbian bureau, which had previously been responsible for Montenegro, has ceded its authority for the Republic of Montenegro to the new insurance bureau. Proof of sufficient cover of the International Motor Insurance Card for Montenegro depends now on whether - when crossing the border - drivers can present an International Motor Insurance Card where the letters for Montenegro (MNE) have not been crossed out (subject to transitional regulations; cf. also provisions stated below).
The letters MNE must be stated on International Motor Insurance Cards issued by Swiss and Liechtenstein insurance companies. Additionally, Insurance Cards must also contain the exact name and address of the Montenegrin office on the reverse. In the case that no cover is to be provided for Montenegro, the letters MNE are to be crossed out by the insurance company issuing the card. If the applicable terms of contract do not provide cover for Montenegro and the letters are not crossed out, full coverage must still be provided in relation not only to the injured parties but also to the insurance bureau. This is in accordance with the provisions of the Green Card system.
New International Motor Insurance Cards issued by Montenegrin insurance companies must bear the letters CH for Switzerland and Liechtenstein. They can only be crossed out along with the entire EEA field. The EEA is regarded as a combined insurance area pursuant to European motor vehicle legislation. Switzerland is included in this area by virtue of its geographical location and the fact that its bureau of insurance also bears responsibility for Liechtenstein.
Important transitional provisions:
There may be International Motor Insurance Cards, which do not contain the letters MNE yet, but on which the letters SRB are not crossed out. They continue to give sufficient cover for Montenegro even after the 1.1.2012 for the whole duration of the validity period stated on the Card.
The country code CH provides cover for the Swiss territory as well as the territory of Liechtenstein. The Swiss Bureau is fulfilling the task of the insurance bureau of Liechtenstein. In the context of the International Motor Insurance Card, Switzerland and the Principality of Liechtenstein are understood as one single territory. The country code CH on the card implies that both territories are covered.
During its General Assembly held on May 28th 2015 in Sopot (Poland), the Council of Bureaux (CoB) has admitted the Insurance Bureau of Azerbaijan as 47th member of the Green Card System as per 1st January 2016.
As of 1st January 2016, vehicles registered in Azerbaijan may circulate with International Motor Insurance Cards which are valid within the whole Green Card System (and accordingly also in Switzerland and Liechtenstein). These vehicles do not require frontier insurance cover any more when entering the territories of Switzerland and Liechtenstein, provided that their Insurance Card is valid.
As of 1st January 2016 too, the member companies of the Swiss National Bureau of Insurance (NBI) are authorised to issue International Motor Insurance Cards containing the country code AZ for Azerbaijan. A per 1st January 2018, this country code will become compulsory. Member companies are entitled to exclude cover for Azerbaijan by crossing out the country code AZ on the Insurance Cards they are issuing.