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Ensuring Your Journey's Safety with the Correct Expat Car Insurance

If you’ve lived abroad for an extended period of time and are coming back to the UK, then it might be the case that you no longer have a valid UK driving licence. If this is the case, then you’ll need to get an expat car insurance policy. The good news is there are several providers of expat car insurance who can offer you a quote at a competitive rate.

Click the green button to get expat car insurance quotes now. You can find more information below on the types of car insurance you can get as well as FAQs and ways to save money.

Did you know…?

Expat car insurance can sometimes be more expensive but you can avoid overspending by getting a lot of quotes.

Why Expat Car Insurance Is Necessary

It’s a legal requirement to have insurance to drive in the UK. This is true for all types of vehicles. You’ll need to get third party only cover at minimum but can opt for a higher level of cover if you prefer.

The Different Types of Expat Car Insurance

The selection of your car insurance type has a significant influence on the level of protection you receive. The main types offered in the UK are:

  • Third-Party Only Insurance: This is the most basic form of car insurance and fulfils the minimum legal requirement in the UK. It caters to injuries to others and damage to other people's property, but doesn't cover damage to your own vehicle.
  • Third-Party, Fire and Theft Insurance: This insurance is an upgrade from Third-Party Only coverage, providing additional protection against loss or damage to your car due to fire or theft.
  • Comprehensive Car Insurance: This provides the most complete coverage. It comprises all the features of Third-Party, Fire and Theft policy, and can also cover the cost of repairs or replacement of your car, regardless of who was responsible for the accident.

Did you know…?

If you don't have a valid UK driving licence, then you'll need to an expat policy rather than a regular one.

Why Compare Expat Car Insurance Quotes?

Wondering why you should compare Expat Car Insurance quotes? Below are some great reasons.

  • They allow customisation of search results based on individual needs, such as coverage type and excess amount, for a personalised experience.
  • These services don't require commitment or purchase; they can be used as research tools.
  • They promote competition among insurers, often leading to better pricing options.
  • Users can take note of extras included in some policies, like breakdown cover and legal protection.
  • Insurance comparison websites provide guidance and simplify the overwhelming process of looking for insurance.
  • The real-time comparison of prices from various insurers aids in making an informed decision.

Additional Types Of Expat Car Insurance

Get the best Expat Car Insurance by choosing from the cover options below.

  • Legal Cover: Get tangled up in a road-related legal dispute? This cover is your financial shield against any legal costs that might occur.
  • Uninsured Driver Protection: If your vehicle gets hit by an uninsured driver, this cover ensures you're not left in a financial lurch, covering your excess and preserving your no claims discount.
  • Excess Protection Cover: If you need to make a claim, this cover absorbs the cost of your excess, so you don't feel the pinch in your wallet.
  • Breakdown Cover: This add-on comes to the rescue when your car breaks down, offering roadside assistance for a worry-free journey.
  • Windscreen Cover: This cover guards your windscreen against damage, ensuring your view of the road is always as clear as a bell.
  • Misfuelling Cover: Made a blooper by putting the wrong fuel in your car? This cover protects you against the cost of any repairs.
  • No Claims Discount Protection: Even if you have to make a claim, this cover ensures that your no claims discount stays put, helping you keep your future premiums lower.
  • Key Cover: Misplaced your car keys or had them pinched? This cover sorts out the cost of a new set and even the locksmith's charges.
  • Foreign Use Cover: Dreaming of a drive abroad? This extends your cover to foreign lands, providing you the same level of protection as at home.
  • Personal Accident Cover: In the grim event of a severe accident, this cover provides a financial buffer for you or any named driver, covering certain injuries.
  • Courtesy Car Cover: After an accident, if your car is in the garage for repairs, this cover makes sure your daily routine isn't affected by providing a courtesy car.
  • Child Car Seat Cover: Should an accident occur, this cover provides funds for replacing any child car seats, regardless of visible damage.

Did you know…?

Many providers offer expat car insurance so you shouldn't have trouble finding a policy that's right for you.

Expat Car Insurance - Save Money

Follow the tips below to make sure you get the best price for your Expat Car Insurance policy!

  • No Claims Discount: Insurers may offer discounts to drivers who have not made a claim in a while. The longer you go without making a claim, the larger the discount could be.
  • Higher Excess: Agreeing to pay a higher voluntary excess (the amount you pay towards any claim) can lower your insurance premium. However, ensure that you can afford the excess in case you need to make a claim.
  • Advanced Driving Courses: Some insurers may offer discounts if you've completed an advanced driving course, such as those offered by the Institute of Advanced Motorists.
  • Maintain a Good Credit Score: Some insurers consider credit score when determining premiums. A good credit score can demonstrate that you're reliable and may lead to lower costs.
  • Review Your Coverage Annually: As your life changes, so do your insurance needs. Review your policy annually to make sure you're not paying for unnecessary coverage.
  • Telematics Insurance: Also known as 'black box' insurance, this involves a device being fitted to your car to monitor your driving. Good, safe driving can lead to lower premiums.

Compare Expat Car Insurance Quotes Now!

By comparing quotes on offer it takes the stress out of finding the right car insurance. Here's your checklist:
  • Start by putting in your personal info - they handle it with the highest security standards.
  • Provide the details of your car - this helps them personalise your options.
  • Don't forget your current insurance details - this aids in refining their recommendations.
  • Soon, specialist insurance providers will contact you with bespoke quotes.

Don’t have your registration number? No problem, click here.

Expat Car Insurance FAQs

Why is car insurance more expensive for expats?

It usually costs more to get car insurance as an expat in the UK simply because insurance companies have less information about you and your driving history.

Do I need to get expat insurance from a specialist provider?

No, many large insurance companies provider car insurance for expats, so it’s not the case that you need to get a policy from a specialist provider.

Does it make a difference which country I'm coming from?

If you’re moving to the UK from a country outside the EU, then you’ll need to get a UK driving licence within one year to keep driving. For countries inside the EU, you can continue using your EU driving licence for as long as you want.