Insurance For Temporary Visitors
There are a
variety of regulations which govern motorists in the UK
which are specific to foreign motorists. It is, however,
possible for foreign drivers to purchase insurance in the UK
by following the advice in this article. Ultimately, the
rules that apply are decided based on the country of
nationality and the driving licence which is held. There are
different rules for drivers with EU licences and drivers
with other international licences as follows:
•Those drivers with an international licence may drive for a
maximum of one year in the UK before being required to pass
a driving test. The only exception to this rule is if the
driver holds a licence issued in one of the designated
countries with whom the UK have a licence exchange
agreement. Holders of such licences will be allowed to drive
for a maximum of 5 years before exchanging
•Motorists with an EU issued licence need not exchange their
licence unless they choose to do so. They are permitted to
drive for 3 years or until the age of 70, whichever comes
can I buy insurance with my foreign licence
provide all the information here. There are 2 types of
insurance, and the one that is applicable will be dependent
upon the individuals circumstances. The following will help
readers to decide which is most appropriate to their own
Annual Insurance Policies
policies are most suited to those who are planning to reside
in the UK in the longer term. An annual policy covers the
policyholder, who should also be the main driver, for one
year. The cost of this insurance will be dependent on a
number of factors, and the comparison tool here [INSERT URL
HERE] will allow such drivers to enter their details and
receive a quote from a number of leading UK insurers.
Important points to note are:
•The vehicle to be insured must belong to the person
insuring it. The vehicle must be registered to the
policyholder and other legal requirements in regard to road
tax and MOT should be adhered to.
•Where the driver has brought their car from another country
then the vehicle MUST be re-registered with DVLA here in the
UK, and all other legal aspects above must be taken care of.
•If the insured vehicle is more than 3 years old then it
MUST have a valid MOT certificate. This is to ensure
roadworthiness and can be done at Testing stations
throughout the UK.
Short Term Insurance
possible for drivers to purchase short-term policies of car
insurance in the UK. For drivers coming here from other
countries for a short visit, or who just want to drive on a
non-regular, ad hoc basis. These policies provide different
lengths of cover. Anywhere from 1 to 28 days is possible. If
this is the best type of policy for you, just click here
[INSERT URL HERE] and we'll have a quote for you in just a
few minutes. The following advice should be observed
•Drivers should have held a full licence in the country of
origin for at least one year.
•Drivers should have full permission from the owner of the
vehicle they wish to drive.
•While it is possible for a foreign driver to be added as a
named driver on an existing UK policy, most insurers won't
entertain the idea and the ones who do are very expensive.
•Don't pay for time you don't intend to drive, with
short-term policies, drivers only pay for what they need.
information is available at
including links to car insurance providers.
What levels of cover are available?
In the UK,
there are 3 levels of insurance cover available, and drivers
should choose wisely. The following is an outline of the
different levels of cover available:
•Third Party Only: This cover does not provide any
protection for the vehicle being driven. This type of policy
is not commonly bought in the UK. This is best described as
the minimum legal level of cover required and provides
protection to other vehicles that may be involved in an
accident with the driver of vehicles insured under these
•Third Party Fire & Theft: Exactly as above, except that it
additionally provides cover for the risks of fire or theft
of the insured vehicle. These policies make no provision for
repair of the insured vehicle in the event of an accident.
•Fully Comprehensive: This is the most common type of cover
in the UK, providing full cover for both the insured vehicle
and any third party vehicles for which liability is found to
be with the policyholder.
It is very
important that drivers choose their cover wisely and know
exactly what protection the policy gives them. Don't be
under-insured just to make a small saving, because in an
accident that decision will be regretted.