Expat Car Insurance in the UK

Our expat auto insurance in the UK can cover accident and damage costs. What your policy covers typically depends on the type of insurance you purchase. With Clements, you can choose between our Comprehensive Coverage and Third-Party Only Coverage. Here is a breakdown of what each can include:

Third-Party Only Coverage (our basic coverage):

• Property damage (up to £20,000,000)
• Property damage cost/expenses (up to £5,000,000)
• 60-Day Europe Coverage (If you take your car to Europe, it can remain insured on your policy for 60 days)

Comprehensive Coverage (our most complete coverage):

• Property damage (up to £20,000,000)
• Property damage cost/expenses (up to £5,000,000)
• 60-Day Europe Coverage Legal costs (up to £35,000)
• Loss of/damage to your vehicle Windscreen or window damage
• Child/booster seats
• Medical expenses
• Personal Accident Coverage
• Personal Belongings Coverage

Reach out to a Clements for any additional UK car insurance-related questions you have:

Contact Form >

44(0).33.0099.0104
europe@clements.com

Our Third-Party Only Coverage and Comprehensive Coverage do not include the following:

• Tire damage (unless damage was sustained in a road accident)
• Vehicle wears and tears
• Vehicle mechanical breakdowns
• Any accessories not permanently attached to your vehicle.
• Compensation for not being able to use your vehicle.
• Theft if vehicle is unlocked or keys are left inside.
• If your vehicle is taken without consent by an immediate family member.
• If your vehicle is taken without consent by someone living in your home.
• Loss of fuel or damage caused by incorrect fuel usage.
• Any legal liability, loss or damage while driving under the influence.
• Loss or damage covered by another insurance policy.

In general, there are three main levels of cover available to foreign nationals driving in the UK: third party only; third party, fire and theft; and comprehensive. Clements offers fully comprehensive coverage to expatriates. Please learn more about the insurance benefits above.

Yes, expat car insurance is required if you are bringing your own car to the UK. You must have valid car insurance to drive in the UK, regardless of whether you are a resident or an expat. Expat car insurance policies are designed to meet the specific needs of expat drivers, such as those who need coverage for those who have a foreign driving license.

Add-ons are only available at the time of purchase and renewal of your UK car insurance policy. If you have a specific need regarding add-ons during the term of your policy, please give us a call at 44(0).33.0099.0104 so we find a solution that fits your needs.

Excess in some countries is known as “Deductible”. The excess is the amount that you, the policyholder, are responsible for in the event of a claim. The total excess is made up of two parts: voluntary and compulsory. Compulsory excess is the minimum excess set by the insurer and is shown in your policy documents. Voluntary excess is chosen by you and is in addition to your compulsory excess.

The type of car you drive will have a bearing on the price of the insurance policy offered to you. Generally speaking, cars are classified into 50 possible groups based on factors like engine size, power, and the cost of repairs.

Windscreen cover is included on all our UK car insurance policies, subject to your policy excess. Please refer to your policy to confirm cover levels or contact us with any questions.

It depends on your policy – please refer to your plan.

The cost of UK car insurance for expats can vary depending on a number of factors, including the type of car you drive, your age, your driving experience, and your claims history.

If you hold an international driving permit/license, this is only valid for 12 months and thereafter you would require a Full UK driving license to continue to drive in the UK. Unless your international permit/license is transferrable to Full UK Driving license, you will be required to sit a driving test. If you are required to sit a driving test, give yourself plenty of time as the process can take months.

Up to 30 days from the time you quote. Once those 30 days are up, you will need to request a new quote.

Car insurance policies are annual.

Your phone number is one of the details that the insurance provider will need to include in your policy document. Don’t worry, we won’t share your contact details with any third parties. Please see our Privacy and Data Protection Hub to learn more about our commitment to protecting your data.

Your address is necessary for your policy document. Your address and location will have a bearing on the cost of your policy. Occasionally, post codes are entered into our form that our system cannot locate. If this happens to you, just enter a post code from a nearby area, we’ll be able to get you an accurate quote.