Thanks for your help. Perhaps I didn't express myself well, or this is more complicated than I thought!
I currently have insurance from the UK, which also covers Switzerland and Serbia. Up to now I have been buying frontier insurance in the Balkans (as well as Turkey, Iran Armenia), usually €10-ish, so not much of a big deal; especially as my insurer quoted me £100s to insure me third party in the Balkans only. However, on-route I've met lots of other EU travellers, who seem to have got their 'Green Card' (or whatever it is) from their insurer at little or no extra cost - and this has allowed them to travel into the Balkans, and in the case of some Germans I met, Turkey and Georgia as well.
I understood that they had a Green Card, but perhaps their insurer just has some sort of deal within these countries?
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