Car 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 last.

How can I buy insurance with my foreign licence

We will 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 requirements:

Annual Insurance Policies

These 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

It is 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 beforehand:

•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.

More information is available at www.insureone.uk 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 policies.
•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.

Copyright haroldsplanet.co.uk