Our Expat Car Insurance Policies
As a broker specialising in expat car insurance, we’ll help you arrange the best cover for the best value.
We have 30 years’ experience arranging car insurance for expats, providing you with peace of mind and a safer driving experience. Explore our policies below.
Living Abroad with a Car in the UK
We have been providing UK vehicle insurance to international customers for over a decade
Taking a UK Car to Europe
We can provide cover for up to 120 days of European travel if you have a permanent address in Europe
British Expats Returning to the UK
We’re the experts when it comes to providing insurance for expatriates returning to the UK.
Foreign NCB Accepted
Please note, foreign NCB accepted, but must be in English (or translated into English). We can help returning expats arrange full cover.
Useful Information For Expats
We have provided some useful information when moving abroad from the UK.
How Car Insurance works in the UK
From types of cover to no claims bonus, here’s everything you need to know regarding car insurance in the UK.
What’s Included in our Expat Car Insurance?
As an expat, it may be difficult to find a car insurance policy that covers all your needs. We provide tailored car insurance policies for expats and have done so for over 30 years.
Unlike many UK insurers, we accept foreign no claims bonus and international driving experience. This allows us to tailor your policy to you as a driver. As a result, we’ll be able to keep the price of your expat car insurance down.
Our expat car insurance provides a range of benefits including:
- Fully comprehensive motor insurance
- Affordable policies
- Foreign no claims bonus and international driving experience accepted
- Same day insurance cover
- Windscreen repair
- Breakdown coverage available
- Customer support from our expert policy handlers
- Non-resident and returning expat policies
When You’ll Need Expat Car Insurance
Unlike many UK insurers, we accept foreign no claims bonus and international driving experience. This allows us to tailor your policy to you as a driver. As a result, we’ll be able to keep the price of your car insurance down.
You will need expat car insurance if…
- You’re living abroad but wish to keep a car in the UK. Leaving your car uninsured or declared ‘off the road’ leaves it susceptible to damage or theft.
- You wish to take a UK car to Europe and drive it abroad.
- You’re a UK expat returning to the UK after living abroad and want to find an insurer that accepts foreign no claims bonus.
- You’re an expat or non-UK resident travelling in a motorhome in the UK and require motorhome insurance for expats, including prior to export.
If you need expat car insurance, we can arrange comprehensive cover at affordable rates.
By insuring through us, you’ll join our thousands of happy customers currently living all around the world. Some common locations of our expat customers include: Dubai, Hong Kong, Australia, New Zealand, America, Europe, Canada, UAE, Saudi, Qatar, Thailand, all Caribbean Islands, South Africa, Russia, West Indies, China, Japan, South Korea and Malaysia.
Specialist Expat Car Insurance Cover
We insure UK expats all around the world. So, no matter which country you’ll be living in, we can offer you an extremely competitive quote on your car insurance. If you have any questions about expat car insurance, visit our expat FAQs page or give us a call.
or call us on 0208 329 1150
You can also email one of our expat brokers if you’re overseas: [email protected]
The Keith Michaels Difference
- 30 years’ experience
- Every customer is treated as an individual, not a policy number
- We are a UK-based office, not a call centre
- We are completely independent from any insurance company
- All policies are looked at on their own merits to find you the best policy available
Why Choose Keith Michaels for Expat Car Insurance?
Dedicated Policy Handlers
Friendly advice and support from our expat car insurance experts
Jason Robery
0208 329 1168
Gary Hamilton
0208 329 1165
Specialist Schemes
We have specific insurance schemes designed exclusively for expats:
- Living abroad with a car in the UK
- Using a UK car in Europe
- Returning to the UK
- Motorhome insurance
Benefits and Discounts
- Foreign NCB accepted, but must be in English
- Previous driving discounts
- Policies available to non-resident clients
Additional Benefits
- Priority claims management
- Policies are available to returning expats
- Staff have over 30 years’ expat car experience
What Does UK Car Insurance for Expats Cover?
Our expat car insurance in the UK offers extensive coverage for accident and damage to your vehicle. However, the level of cover you’ll receive depends on the type of policy you purchase.
At Keith Michaels, we offer a variety of comprehensive expat car insurance coverage to meet your driving needs.
Comprehensive Cover
Our comprehensive cover provides:
- Property damage (up to the value of £20,000,000)
- Costs/expenses of property damage (up to £5,000,000)
- 60-Day Europe Cover
- Windscreen or window damage/loss
- Personal accident coverage
- Personal belongings insurance
- Medical expenses
- Loss/damage to child booster seats
Speak to our Expat Car Insurance Experts
Our specialist Expat team will help you arrange the best car insurance cover for your individual needs.
Each of our brokers has years of experience in finding the best car insurance for expats, just like you.
or call: 0208 329 1150
Useful Expat Car Insurance Resources
Guide to Expat Motorhome Insurance
Protect your motorhome, wherever you’re travelling abroad.
Important Information for Expat Drivers Abroad
Country-specific tips and advice for expats driving abroad.
Returning Expat Car Insurance Guide
Discover how to insure your vehicle as an expat returning to the UK.
Moving Abroad? We’ve Got you Covered
If you’re planning to move abroad, you’ll need vehicle insurance to legally drive on foreign roads.
Keith Michaels provides expat car insurance for thousands of customers living all over the world.
From Australia and Austria to Bahrain and the Bahamas and from China in the east to USA in the west,
check out the full list of countries we cover.
Expat Car Insurance FAQs
Expat car insurance policies from Keith Michaels can provide all the coverage you need at a competitive price. To make your search easier, we’ve compiled a selection of the most frequently asked questions about expat car insurance. Find more expat car insurance FAQs here.
I’m Bringing My Own Car to the UK – Do I Still Need Expat Car Insurance?
Yes, you’ll need expat car insurance if you’re bringing your own car to the UK. It’s a legal requirement to have valid car insurance to drive on UK roads for both UK residents and expats. Expat car insurance provides a range of benefits for expats and meets their specific driving needs including those with a foreign driving licence.
Does the Type of Vehicle I Drive Affect my Expat Car Insurance Premiums?
The model of car you drive can impact the cost of vehicle insurance, whether you’re an expat or a UK resident. Factors like engine size, power, where the vehicle is kept, and potential maintenance costs can all affect the price of your policy.
Can I Get Cover as a Non-UK Citizen?
Yes, you can get insurance if you’re a non-UK citizen living in the UK and you own a car. This includes expats and non-residents working in the UK such as embassy employees and military personnel.
Will My No Claims Discount be Accepted as an Expat?
A No Claims Discount rewards expat drivers who have not made an insurance claim on their policy. Keith Michaels accepts foreign NCB when supported by a No Claims Bonus certificate in English. This sets us apart from many mainstream insurance companies who won’t accept No Claims Bonuses you’ve earned overseas.
What Licence Do I Need to Drive in the UK?
Your options are:
- Full UK Driving Licence
- Full EU Driving Licence
Can I Use an International Driving Permit in the UK?
Yes, but the following conditions apply when driving in the UK with an International Driving Permit:
Only valid in the UK, Northern Ireland, and Republic of Ireland for a 12-month period from the date you arrived in the country.
If your 12-month period expires before your insurance policy, you’ll need to obtain a valid UK driving licence from the Driver and Vehicle Licensing Agency (DVLA) or National Driver License Service (NDLS).
Looking to renew your UK driving licence as an expat? Find out how to do it here.
I Didn’t Pass My Driving Test in the UK. Can I Get Car Insurance?
Yes, we can cover any licence for up to 12 months, no matter where you passed your driving test. When 12 months is up, you may need to exchange your driving licence for a UK one to legally drive in this country. Discover how to exchange a non-GB driving licence.