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Brexit FAQs

We’re committed to providing you with the best service. We’ve answered your questions about the UK’s withdrawal from the EU and how it affects Vitality. If you have a question that is not covered here, please do not hesitate to contact us.

The UK left the EU on 31 January 2020 and entered an implementation period which ended on 31 December 2020. On 24 December, the UK and the EU agreed a deal that will define their future relationship. Our FAQs explain how the withdrawal, and the deal, affects Vitality, your plan or your contract with us.

The Financial Services Compensation Scheme (FSCS) and the Financial Ombudsman Service (FOS) protection for members before 31 December 2020 is not affected.

Vitality remains a UK authorised insurer, providing policies to residents of the UK. This means the FSCS still provides protection if we are unable to pay claims made against us. You also have the same access to the FOS, which helps settle disputes between customers and firms.

If you have Vitality health insurance

VitalityHealth is a UK regulated firm offering personal, business and corporate health insurance. Vitality’s product and coverage is unaffected by the UK’s withdrawal from the EU.

Note to Republic of Ireland (RoI) members: Vitality did offer products to RoI residents via a financial services ‘passport’. This has now come to an end. From January 2021. Vitality no longer offers products or services to RoI residents.

If you are a RoI member, you will be covered until the end of your current policy. At this point, we will not offer you renewal terms and your cover will end. If you are part of a business or corporate scheme, your employer will need to decide if a different product suits their needs.

If you are a member that is resident in Northern Ireland, your cover is unaffected. 

No. Employers can add eligible employees that:

• Are aged 16 or over at their cover start date and subject to PAYE
• Living in the UK for at least 180 days in each plan year.

No. Vitality can only provide cover in the UK to UK residents. 

If you have Vitality Worldwide Travel Cover

Our travel insurance has not been affected by the UK’s withdrawal from the EU. UK nationals will be able to travel to EU countries and stay for up to 90 days in any 180 day period. You may need a visa or permit to stay for longer, to work or study, or for business travel. The rules for Bulgaria, Croatia, Cyprus and Romania are different. We recommend you check the entry requirements for the country you plan to travel to. More information is on the Government transition website.
If you have a valid UK driving licence, you can drive your own car in the EU. You will have to take your driving licence, log book (V5C) and any valid insurance documents with you. You will need to contact your insurer six weeks before you travel to get a green card. This will prove you have insurance.

Most drivers will not need to buy an International Driving Permit. The exception is those with paper licences (not photocards) and licences issued in Gibraltar, Guernsey, Jersey or the Isle of Man. More information is on the Government website about driving in the EU.

No. These benefits are unaffected by Brexit either during or post the implementation period.

The EHIC gives you access to state-provided healthcare in the European Economic Area, Switzerland, Norway, Iceland and Liechtenstein. Holders are treated as a resident of that country. They get healthcare at a reduced cost or for free.

The UK and the EU agreed, as part of the deal, that EHIC cards can used until their expiry dates. After that, the government will issue a new Global Heath Insurance Card (GHIC). This will replace the EHIC for the majority of UK citizens. You can apply for a GHIC on the NHS healthcare abroad website.

Our Worldwide Travel Insurance Plan gives you comprehensive cover for emergency medical expenses. Some routine and non-urgent treatment will not be covered under the plan.

If you have Vitality life insurance

VitalityLife is a UK regulated firm offering pure protection products to UK residents only. Vitality's products do not place geographical restrictions on members. They are not affected by the UK’s withdrawal from the EU. If a member emigrates to the EU after getting a VitalityLife plan, the plan will still be in force. Vitality does not need to seek EEA authorisation to service these contracts.

If you have Vitality investments

 VitalityInvest offers Pension and ISA products to UK residents. Vitality’s products do not place geographical restrictions on members. They are not affected by the UK’s withdrawal from the EU. The Pension and ISA products are ‘life policies’. This means if a member emigrates to the EU, the plan will still be in force. Vitality does not need to seek EEA authorisation to service these contracts.

If you're an outsourced provider, intermediary or introducer

The UK’s withdrawal has not affected our approach to intermediaries or introducers. All intermediaries and introducers must agree terms before conducting any business with us. Intermediaries must be authorised in the UK and hold the correct permissions. The UK’s withdrawal from the EU has not affected these requirements.

We’ve liaised with our EEA-based suppliers. Leaving the EU has not affected their ability to provide services to Vitality.

Privacy

The UK is no longer an EU Member State, and is awaiting an ‘Adequacy’ decision by the EU Commission. An extra 6 months has been provided, which allows data flows to continue. If an agreement is not reached by July 2021, we will rely on other safeguards. This includes the Standard Contractual Clauses. These are currently being re-drafted. The latest version will be implemented when available.

The UK has recognised the EEA as “adequate” for data transfers. If no agreement is in place by July 2021, there will be little impact on Vitality. This is because it's not processing EU Citizen data. Any processing operation in the EU for Vitality uses existing solutions.

Yes, we do. For the time being, reliance on EU Standard Contractual Clauses is permitted for UK transfers. A later proposal will have the Secretary of State approve “standard data protection clauses” UK transfers. The EU Standard Contractual Clauses are being re-drafted. These will be introduced with existing and new vendors when approved. This is in line with International Trade administration guidelines. The UK will also permit transfers to all countries recognised as “adequate” by the EU.