Expat Insurance Cover

4.2 Trust Pilot
Customer Rated
Specialist
Car Insurance Providers
Friendly
Help Team

Car insurance works for international drivers in the UK: how does it work?

Whether you are a foreign national staying in the UK for work or recreation, you have recently moved to the country or you are a British national who has lived abroad and returned to the UK, you will need car insurance if you intend on driving whilst in the UK. As a foreign driver you may come up against a series of obstacles when it comes to finding a car insurance policy. Not all situations are the same, so let’s take a closer look at when you might need car insurance as a foreign driver in the UK.

Circumstances in which a non-UK resident may need car insurance.

If you are a non-uk resident visiting the UK for a short period and you intend on driving during your stay, you will likely find yourself in one of the following situations:

  • You are renting a car:

If you are renting a car during your stay, insurance cover will be included in the overall cost of rental.

  • You are borrowing a car:

If you are borrowing a car from a relative or friend, you will need temporary insurance cover. This can come in the form of a temporary insurance policy in your name; alternatively you can be added onto the existing insurance policy for the car you will be driving as a named driver. 

  • Your company is providing a car:

Your company will be responsible for organising the necessary insurance cover for you to drive legally in the UK

  • You are driving your own car:

Your existing insurance policy should cover you for trips abroad, however you should always check your policy. Ask your insurer for a “Green Card”. Insurance green cards are an internationally accepted certificate of insurance recognised in 47 countries in Europe, Asia and North Africa. Speak to your insurer about arranging this certification for you.

It can be difficult to track down car insurance policies for international drivers, let alone car insurance policies that respect your foreign no claims bonus. Fortunately Got2insure offers a range of insurance cover for expats and international drivers which take into account your foreign NCB.

OUR CAR INSURANCE POLICIES

Can I use my no claims bonus from another country?

If you’ve recently returned to the UK and are looking for an affordable, reliable car insurance policy, our expat car insurance is the ideal solution for you.

You can find out more about the expat car insurance policy we offer below.

OUR EXPAT CAR INSURANCE

Is foreign car insurance valid in the UK?

Generally speaking, most car insurance policies provide cover abroad. It is definitely worth checking your policy or speaking to your insurer regarding the exact type of cover you will be entitled to. You may find that your insurer does not cover all eventualities that would be covered in your own country and you may have the option to extend your cover.  It is also advisable to ask your insurer for a “green card” as this is an internationally recognised proof of insurance.

READ OUR GUIDE TO GREEN CARDS

How long can I drive with an international driving licence in the UK?

Foreign driving licences are valid in the UK for 12 months. After this period has elapsed you will have to get a UK driving licence if you are residing permanently in the UK.

  • Exchangeable international licences or European driving licences can be swapped for a UK licence after 6 months of residency in the UK.
  • Non-exchangeable international licences cannot be swapped for a full UK driving licence. You will have to apply for a provisional driving licence and take a driving test to be issued with a full driving licence.

International drivers are considered a high risk and insurance premiums for foreign drivers on UK roads can be very high. If you have an international driving licence, it pays to shop around for specialist insurance. At Got2Insure we provide competitive car insurance for foreign licence holders and we can even take into account your foreign no claims bonus.

I have an international driving licence, will I be able to get car insurance in the UK?

International drivers are considered a high risk and insurance premiums for foreign drivers on UK roads can be very high. If you have an international driving licence, it pays to shop around for specialist insurance. At Got2Insure we provide competitive car insurance for foreign licence holders and we can even take into account your foreign no claims bonus.

COMPARE OUR POLICIES

Will I need an international driving permit to drive in the UK?

No. International driving permits are not required in the UK.  You will need a valid, recognised driving licence and photographic ID. These licences are valid in the UK for up to 12 months. International permits can be useful if your current driving licence is not printed in English, but they are not a requirement.

Licences issued in the European Union (EU) or European Economic Community (EEC), are valid for driving in the UK until they expire.  You will not be required to exchange it unless you become a permanent UK resident. You will be allowed to exchange this licence without retaking your driving test unless you obtained your EU licence by exchanging a non-EU licence.

Licences issued by Gibraltar, Jersey, Guernsey, Isle of Man or a ‘designated country’ (Australia, Barbados, British Virgin Islands, Canada, Falkland Islands, Faroe Islands, Hong Kong, Japan, Monaco, New Zealand, Republic of Korea, Singapore, South Africa, Switzerland and Zimbabwe) are valid for driving in the UK for up to 12 months.

 

How much is car insurance for non-UK residents?

Foreign drivers and non-UK residents face extremely high insurance premiums in the UK. Part of the reason for this is the presumed lack of experience on UK roads, as driving in the left hand lane may come as a novelty to many. Unfortunately, this broad view fails to take into account each individual’s experience and ability. More often than not, foreign no claims discounts aren’t taken into consideration.

Your quote may also be affected by:

  • Your driving history
  • Make, model and age of your car
  • Off-street vs, on-street parking

How can I keep my insurance costs down?

It pays to shop around for most products, but when it comes to car insurance for foreign drivers, the price differences can be staggering. 

  • Investigate and compare quotes and cover from different providers.
  • Find an insurance company that specialises in insurance for foreign drivers.
  • Choose a company that will take your foreign no claims bonus into account.
  • Look into getting a UK driving licence.

Getting a UK driving licence will make life simpler in the long run for those choosing to remain in the UK for a long period or indefinitely. This option, however, does come at an additional expense. Finding a competitive car insurance company for international drivers, such as Got2Insure will provide an affordable solution for the interim. 

 

Why choose Got2Insure?

Here at Got2Insure, we pride ourselves on offering straightforward and simple car insurance for foreign drivers. If you have recently returned to the UK after living abroad, you may be interested in our expat car insurance for foreign drivers.

GET IN TOUCH

Saving your money without cutting your cover.

Our comprehensive car insurance cover includes:

  • Accidental damage
  • Uninsured driver cover
  • Replacement keys
  • Mis-fuelling cover
  • Guarantee on repairs