If you are based overseas in British Forces Germany (BFG) you will require cover which is not available through the normal UK channels you will need BFG Car Insurance. Forces Solutions are specialists in providing cover overseas.
We are approved by the BFG VLO as reputable BFG Car Insurance providers able to provide the 365-day green card cover whilst able to supply documentation which meets the requirements. We are also able to accept no claims bonus from German insurers so if you want to move over to us, we can accommodate we will also cover Left Hand Drive (LHD) vehicles and will accept EU Licences without adding anything extra to the premium.
Our BFG Motor Insurance policy allows you have all the benefits of a UK policy whilst based overseas and unlike our German competitors one document will fit all so when you move back to the UK, we can keep the policy going we just need to change the address.
Our Forces Cover Includes
Service personnel, families and entitled civilians are required to register their vehicle(s) with the BFG VLO (Vehicle Licensing Office) within 45 days of arrival. You will need the following forms BFG Form 60 and BFG Form 20 which you can access by clicking the button below:
Regarding the necessary motor insurance, most British insurers are unable to provide cover for BFG as they have to demonstrate that they have the necessary infrastructure to handle claims on the continent. With the relatively few Service personnel based in Germany it is not worth most firms making the necessary arrangements to assist.
Benefits of Our Cover
FORCES SOLUTIONS are a fully approved and recognised Insurance broker for British Forces Germany and all the benefits we’ve outlined for our UK customers apply equally for BFG:
On Base & Airside Cover
We not only provide full cover we may also be able to provide you with additional discounts if you live ‘behind the wire’.
We will allow ‘free’ Business Use allowing you to recover expenses from the JPA system.
Laid Up Cover
If you are deployed and your vehicle can be taken off the road, cover can be reduced to just Fire & Theft or Accidental Damage, Fire & Theft at a fraction of the normal daily premium with your credit being used against future adjustments or at the next renewal. Subject to terms and conditions.
Acceptance of Foreign No Claims Discount
We will accept foreign No Claims Discount from any German insurer.
Driving Experience Discount
Due to the lifestyle of Service personnel many customers are unable to obtain the discounts local residents might obtain. We provide a discount similar to a No Claims Discount which is based upon recent accident and conviction free driving experience even if you have no recent insurance history.
We are very experienced at handling claims in Germany and offer a local bi-lingual accident repair service, which not only provides an excellent repair facility will also collect and return your car to your door and assist you with completing the necessary forms in regard to Mehrwertsteuer (German VAT). Irrespective of whether the Third Party is to blame or not you will be entitled to a courtesy car whilst your car is being prepared.
Insurance Premium Tax (IPT)
Unlike UK residents, if you are based overseas as part of the NATO Status of Forces Agreement (SoFA), you will not be liable to pay the Insurance Premium Tax (IPT).
Pan European Cover
Our policy covers you 24/7 for use throughout Europe and for those deployed at BFG we provide one simple document which provides cover compatible with DVLA and BFG VLO requirements.
At present there is much discussion in the BREXIT negotiations on what documentation will be necessary for motorists to demonstrate that they have adequate cover in force after 29th March 2019.
Whether it’s an annual Green Card or a Pan European Certificate of Insurance we are ready to provide whatever documentation you require and this will be issued to you immediately your policy is arranged or mid-term if you are an existing customer and new regulations need to be implemented.
If new documentation is required (e.g. a Green Card) no charge will be made to you to provide this facility.
Ideal for personnel returning to the UK following the end of their deployment, our motor insurance documents are, of course, compatible with DVLA requirements unlike those provided if you are insured under a German insurance policy.
Moving your insurance early
There is a big difference between German insurance and UK cover and so if you are currently insured with a German firm you may want to make the switch now. The best time to do this is when your current policy falls due for renewal or if you change your vehicle before then.
One of the reasons for this is so that your No Claims Bonus doesn’t become an issue when you need UK cover. Foreign No Claims discount (even that earned with a familiar name in Germany) is frequently unacceptable to UK insurance companies.
By making the switch now you will have a policy that honours any No Claims Discount you have earned in Germany and so your eventual move back to the UK will then just be treated as a simple change of address. One less task to worry about as you land back in the UK.
Registering your car in the UK
You should de-register from BFG and re-register on the UK plate as soon as you can and you can do this before you leave Germany. Tell us the UK registration number of your vehicle as soon as you know it. If your vehicle has been previously registered in the UK it will be allocated the same number again.
If your insurance documents have been issued showing your chassis number (instead of the Registration Number) you can continue to use the document until it expires (the next Renewal Date) when the Certificate of Motor Insurance will be replaced with one showing your UK registration number as and when you renew the policy.
But don’t forget to tell us the UK Registration Number so that we can update the Motor Insurance Database (MID). The MID allows the police to check that the vehicle is insured and who is entitled to drive it. So, it is important that your details are updated. You can check that your vehicle is on the MID on line at www.AskMID.com.
Your return to the UK is also a good opportunity to tell the DVLA your new address. You can check the details held by the DVLA on line at www.MyLicence.com.