Green Card for a Car in Belgium

A recourse claim (right of recourse) is the right of an insurance company to demand that the person responsible for an accident reimburse the full amount it paid to the injured party.

Legislation provides for cases in which a Green Card insurer has the right to make a recourse claim against the driver:

• Driving under the influence: if the driver was under the influence of alcohol, drugs, or toxic substances at the time of the accident.
• No valid driving licence: if the vehicle was being driven by a person who did not have a driving licence of the appropriate category.
• Leaving the scene of an accident: if the driver unlawfully left the scene before the police arrived or without completing a European Accident Statement.
• Failure to notify the insurer in time: if the person responsible for the accident failed to notify their insurance company within the period specified in the insurance agreement.
• Vehicle malfunction: if the accident occurred due to a technical fault in the vehicle that the driver was aware of in advance.

The polis24.com.ua team urges drivers to always comply with traffic regulations abroad, never drive under the influence, and promptly document any insured event. When purchasing insurance through polis24, carefully read the instructions on what to do in the event of an accident, which are provided with every policy.

No. According to the rules of the International Green Card System and the current legislation of Ukraine, Ukrainian insurance companies may issue a Green Card policy exclusively for vehicles registered in Ukraine (i.e., with Ukrainian state registration plates or temporary “transit” plates issued by the Ukrainian Ministry of Internal Affairs).

If your vehicle is registered in another country (for example, Poland, Germany, Lithuania, etc.):

• You cannot purchase a Ukrainian Green Card for this vehicle.
• To drive and travel abroad, you need to purchase insurance in the country where the vehicle is registered or obtain local border insurance.

The polis24.com.ua service works with vehicles registered in Ukraine. For Ukrainian vehicles, polis24 provides the most convenient conditions for arranging insurance quickly in just a few clicks.

Frontier Insurance is a domestic third-party motor liability insurance policy of the country you are entering, purchased directly at its border.

Key differences:

• Area of coverage: A Green Card from polis24 is valid across all 40+ countries participating in the Green Card system. Frontier Insurance usually provides coverage only within one specific country (or EU countries if purchased in an EU country).
• Cost: Purchasing Frontier Insurance at a foreign border is significantly more expensive than a Ukrainian Green Card. For example, one month of border insurance in Poland or Germany may cost €150–200 or more, while a Ukrainian policy for the same period is considerably cheaper.
• Convenience: Frontier Insurance must be located and purchased directly at the border crossing, which can mean queues and additional inconvenience.

That is why it is much more convenient and cost-effective to arrange a Ukrainian Green Card in advance through polis24.com.ua and cross the border without unnecessary expenses or delays.

Checking the validity of a Green Card policy is an important procedure that allows you to make sure that your document is legitimate and registered in the official database.

Ways to check the policy:

1. Using the QR code: the electronic certificate purchased through polis24.com.ua contains a special QR code. Scan it with your smartphone camera to immediately access the official MTSBU verification page, where you can see the policy status, vehicle make, and validity period.
2. Through the MTSBU website using the policy number or vehicle registration number: you can visit the official website of the Motor (Transport) Insurance Bureau of Ukraine (mtsbu.ua), go to the “Policy Validity Check” section, enter the certificate number or your vehicle registration number, and check its status in real time.

When you purchase insurance through polis24.com.ua, you are fully protected against counterfeit policies: your policy details are transferred to the centralized MTSBU database immediately after payment.

No, a Green Card policy does not cover damage to your own vehicle caused by natural disasters (hail, flooding, falling trees), vandalism, unlawful acts by third parties, or vehicle theft.

A Green Card is exclusively third-party liability insurance. It covers damage only when you are responsible for an accident and cause harm to another person’s property or health.

To protect your own vehicle against theft, damage caused by an accident for which you are at fault, vandalism, or natural disasters while abroad, you need to additionally arrange a CASCO policy with extended coverage for European countries.

On the polis24.com.ua platform, you can learn more about additional vehicle protection and choose comprehensive insurance solutions for greater peace of mind while traveling abroad.

The minimum period for which a Green Card can be issued is 15 days, while the maximum is 12 months (1 year).

Comparison and tips for choosing:

• Short-term policies (15 days–1 month): ideal for one-time tourist trips, short business trips, or visiting relatives.
• Long-term policies (6–12 months): most beneficial for people who travel abroad regularly, stay abroad for extended periods, or are engaged in international transportation.

Cost-effectiveness: the daily cost of an annual policy is significantly lower than the combined cost of several short-term policies. If you plan to travel outside Ukraine 3–4 times a year or stay abroad for an extended period, purchasing an annual certificate through polis24.com.ua can help you save significantly.

With the polis24 calculator, you can easily compare prices for different policy periods and choose the most cost-effective option.

Yes, cancellation or termination of a Green Card insurance policy is possible, but it is regulated by Ukrainian legislation and the rules of the MTSBU.

Main refund conditions:

• Before the policy becomes effective: if you purchased the policy in advance and contact polis24.com.ua before the insurance start date, the policy can be cancelled and the money refunded to the policyholder.
• After the policy becomes effective: if the insurance period has already started, the policy can be terminated and a partial refund may be available only for valid reasons (for example, the sale of the vehicle, permanent registration of the vehicle in another country, or a justified cancellation of the trip supported by documents), provided that no insurance claims have been paid under the policy. This may involve additional administrative costs charged by the insurer.

For any questions regarding changes to or termination of your policy, you can always contact polis24 customer support. Our specialists will explain the procedure and help you submit the relevant request to the insurance company.

Yes, a Green Card insurance policy is issued for a specific vehicle (based on the registration certificate, VIN, and registration number), rather than for an individual driver.

• Who can drive the vehicle: the insurance coverage applies to any driver who legally operates the vehicle (has a valid driving licence of the appropriate category, the vehicle registration certificate, and the owner’s permission if required).
• Who is listed as the policyholder: the policy contains the details of the person purchasing the insurance document (the policyholder). This may be the vehicle owner, a driver acting under a power of attorney, or any other person.

In other words, if you purchase a policy through polis24.com.ua and your husband, wife, or colleague is driving the vehicle during the trip abroad, the insurance coverage will remain fully valid. The main requirement is that the vehicle matches the technical details specified in the policy and that the driver has a valid driving licence.

The polis24 service has designed its ordering system so that you can easily provide the required policyholder information without unnecessary bureaucratic delays.

A typo or incorrect information in an insurance policy (such as an error in a VIN digit or letter, registration number, driver’s surname, or passport details) may result in the document being considered invalid during a check by border guards or police abroad.

If you notice an error in an issued policy:

1. Do not try to correct the information manually. Any handwritten corrections or alterations made with correction fluid will invalidate the certificate.
2. Contact polis24.com.ua customer support. If the policy has not yet become effective, polis24 service managers can help you make corrections or reissue the policy with the correct information in accordance with MTSBU rules.
3. Reissuing the policy: if a critical error is found (for example, an incorrect VIN code), the issued document is cancelled and a new, correct insurance certificate is registered in its place.

Before confirming payment on the polis24 platform, always carefully check the information you have entered during the preview stage. This will save you time and help ensure a smooth border crossing.