United Kingdom icon.

Expat Car Insurance in the UK

Comprehensive Same Day Coverage

Get a complete UK car insurance for expats that combines:

  • Physical Damage insurance (PD) with
  • Local Third-Party Liability protection (TPL)


Our UK car insurance covers expats in England, Scotland, Wales and Northern Ireland.

U.S. Military members stationed in the U.K., take advantage of our Military discount. Offered in partnership with GEICO Financial Services GmbH.


Diplomats in the U.K. discount.

Car insurance in the UK provides financial protection.

Already have a quote? Reach out to us at 44(0) 33.0099.0100.

Need assistance with Car Insurance for Ukrainian refugees in the UK? допомоги українським біженцям в Англії
For Ukrainian Refugees

Coverage Benefits

Our expat motor insurance benefits in the UK include:
Fully comprehensive and affordable coverage

Same day cover

Monthly installment payment plan

Windscreen repair

Breakdown and legal expenses cover available

Includes social domestic which provides cover whether you are driving to the shops or commuting between your home and your place of work

Fully comprehensive and third-party car insurance in England, Scotland, Wales and Northern Ireland

Ability to drive into Southern Ireland for up to 60 days

Many UK insurers will not accept foreign no claims bonus, but we do.

Find answers to the questions our UK clients tend to ask are most often in our FAQs below.

Get Your UK Car Insurance Quote

Vehicle insurance is required for drivers in the UK. So, if you’re planning to drive in the UK as an expat, it’s essential to have the right car insurance coverage.
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When You’ll Need Expat Car Insurance

Expat car insurance is a type of car insurance that is designed for people who are not UK citizens but reside in the UK and own or drive a car in the UK. It is required for all drivers in the UK, regardless of their nationality or residency status.

Here is when you will need expat car insurance in the UK:

Non-UK citizen who is living in the UK and you own a car. This includes expats, retirees, non-residents working in the UK, including diplomats, embassy staff, and military service.

You want to take your UK car to Europe and drive it abroad.

Even if you are not planning to drive your car very often, it is still a legal requirement to have car insurance. This is because your car is still at risk of damage or theft, even if it is not being driven regularly.  

If you are new to the UK and require car insurance and hold an International or EU/UK driving license, contact us to discuss your individual circumstances.

Why Choose Clements for Your UK Car Insurance?

Clements has an extensive network of insurers that guarantees competitive rates for our clients in the U.K. We have been insuring expats since 1947 and understand how coverage works from country to country. Our experience guarantees you won’t be left with gaps in coverage while still staying within the limits of your budget.

Car insurance in the UK protects vehicles.

FAQs About Expat Car Insurance in the UK

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Fill out the form for an instant UK Car Insurance quote.
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Military, Foreign Service, & Teachers Abroad

Insure your car during international relocations and assignments with our comprehensive coverage designed specifically for military personnel, foreign service workers, and educators abroad. Drive confidently across the EU and Schengen Area, and safeguard your vehicle during transit between homes with coverage that extends beyond third-party liability.

Additional Policies for All Your Needs

Consider these other insurance solutions to protect yourself, your stuff and your family:
Personal Property and valuables insurance icon.

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Personal Property / Renters Coverage

Global Homeowners, Renters & Personal Property

Cover your most cherished belongings in-transit and at your destination. Discover why international personal property insurance may make sense for you. 

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Worldwide Health Insurance

Get 24-hour protection wherever you are in the world

Customizable International Health Insurance options, including some pre-existing conditions.

Contact Us

Still have questions? Fill out the form below and get in contact with a Clements Personal Insurance Advisor today.

*Subject to underwriting guidelines. Limits, conditions and exclusions may apply.

Clements Worldwide is a trading name of Clements Europe Ltd. Clements Europe Ltd is registered in England and Wales at 1st Floor, 67 Lombard Street, London EC3V 9LJ under registration number 06918946 and is authorised and regulated by the Financial Conduct Authority (FCA) 504942.