The federation of insurers wants to remove the paper insurance certificate to simplify the life of users, fight against fraud and support the ecological transition. The small square-shaped document has occupied the right corner of the windshield of French motorists for nearly 40 years.
This is a subject that has been on the table for a long time. Insurers are campaigning to remove the green card and the insurance certificate (the famous vignette), in favor of a digital document. Since 1er January 2020, insurance companies can issue their certificate in black and white. However, the motorist still has the obligation to print his certificate. For example, in Europe, Germany has already switched to dematerialized format since 2008.
Naturally, the abolition of the green card and its certificate requires a modification of the regulatory framework. Created in January 2019, the File of Insured Vehicles (FVA) already lists, as its name suggests, all vehicles insured in France. The FVA is fed by the insurers and updated as soon as there is a modification made in the contract. It is thus as much or even more reliable than the sticker, which can be easily falsified. Moreover, Maif stresses that ” the police authorities verify that the vehicle is properly insured by directly questioning the FVA during roadside checks or by radar “. In addition, France Assureurs recalls that there is no need for a green card or certificate to circulate in other European countries, including Switzerland.
A not-so-green card
According to the federation France Assureurs, (formerly Fédération Française de l’Assurance), the dematerialization of paper documents brings three other advantages in addition to the fight against fraud. The first concerns the insured directly since he would no longer need to replace the sticker on his windshield. This will avoid a fine (35 €) in case of forgetting. Abolition of the certificate and the insurance certificate would also benefit insurers, who would see their administrative procedures streamlined. This would contribute to a final advantage, this time ecological: there would no longer be any need to send the documents to the motorist by post. Digitization would thus avoid the printing and dispatch of 50 million certificates. According to the ADEME (French Environment and Energy Management Agency), each year, these two operations alone generate the release of 1,237 tonnes of CO2.
What, instead of the thumbnail?
Instead of the sticker, FA proposes to use the File of Insured Vehicles (FVA), created in 2016 and shared since 2019 with the police. This file, “which today has 56 million vehicles with insurance guarantees registered almost in real time (subscription, modification, termination)” according to the FA, is supplied by all insurers. It lists the registration of the vehicle, the name of the insurer and the number of the insurance contract and its period of validity.