Go Back  British Expats > Living & Moving Abroad > Middle East
Reload this Page >

How to get UK Car insurance as an expat

How to get UK Car insurance as an expat

Old Dec 13th 2018, 4:08 pm
Forum Regular
Thread Starter
Joined: May 2013
Posts: 183
FriendlyExpat is an unknown quantity at this point
Default How to get UK Car insurance as an expat

Hope this is permitted - I thought it might be useful information for anyone in a similar situation to myself. I am a UK non-resident expat but have a UK car. It's been incredibly difficult to insure but I have finally found a few insurers willing to do it provided you have a (genuine) UK address you can use where you stay at least occasionally during the year. I mention the actual price I was quoted as well in case that helps others in future.

Aviva - (they quoted me £480 - so I went with them)
Keith Michaels (they quoted me £850)
Admiral said I could be a secondary driver if I could get someone who is a UK resident willing to be the primary driver - but obviously don't lie about this as you'll get in massive trouble if caught. I didn't want to go this route so didn't get a quote.

Companies that turned me down flat include: AXA, Debenhams, City Insurance and I tried all the online insurance comparison sites (such as moneysupermarket or gocompare) but they all hit you at the last second with an assumption that you are UK resident which you cannot turn off so it was a massive waste of time.

I had to call by phone (online didn't work as they make incorrect assumptions which you cannot change) and in all cases I had to be persistent as the initial response was "we can't cover you" and it was only when I persuaded them to check with someone more senior that it was OK'd (apart from Keith Michaels who said straight away it was OK).

Do also stress very clearly that you do not live in the UK and do not have a current UK driving licence but you do hold a valid licence from the country you're living in in order that there is no confusion. It seemed to help that I had a UK licence from before I left the UK but make sure you clearly say that this is not the licence you will be driving on.

Do record the call and screenshot / save every page of the website and anything they send you by email/post for your protection just in case they come back and claim you didn't mention expat non-resident status or some other nonsense down the road.

Good luck!

Last edited by FriendlyExpat; Dec 13th 2018 at 4:17 pm.
FriendlyExpat is offline  

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.