Hi again Bonnie:

If your vehicle is from the UK and your insurer is based in the UK, chances are that your insurance document is, in fact, a 'Green Card'. I say this because you stated that your insurance cover includes Switzerland (CH) and Serbia (SRB, or possibly RS). The standard in the EC is to issue an insurance document in a standard form (the Green Card) so that the authorities in all the different countries only have to be familiar with one form of document.

Each insurance company in the EC can decide on their own, in consultation with their customer, what countries they want to provide cover for. In the case of the UK, being an island, there are probably a lot of people who never leave that island, and it would be pointless for them to be paying for insurance cover that is valid in all the EC countries. However, someone living in (for example) Switzerland probably visits neighboring countries such as France, Germany, Austria, etc. frequently, so it is likely that the Swiss insurers automatically include coverage for these other countries unless the customer asks them to not do so.

Have a look at your document. It will be like the one I referred to in my first response to you above. If you want insurance cover for additional EC countries, speak to your insurance agent, it is likely that your existing policy can be amended to provide cover for (at the very least) all EC member countries.

Not all insurers are licenced to write coverage for countries outside of the EC. Hence, the ABC insurance company might be able to cover you for the Balkan countries and/or Turkey, but the XYZ company next door might not be able to offer coverage for those countries.

Be aware that this particular long-running discussion about insurance here on the HUBB specifically addresses the needs of owners of NON-EUROPEAN vehicles. For example, me, when I ship my Canadian-plated motorcycle to Europe to ride around for a month or so.

Michael