can i insure my UK car with foreign insurance
Discussion
aw51 121565 said:
OP will fall into this trap early on, unless he is incredibly lucky to find a Mainland EU-based insurance company that is recognised by the MIB (or whoever oversees this part of thigs).
How about Gibraltar? Must have high usage into Spain, etc...I'm getting theoretical here... probably will demand a Gibraltar address.
aw51 121565 said:
To add to this, any insurance company offering motor insurance has to be approved by an official body - the Motor Insurance Bureau, from memory, though there are experts on the forum who will give chapter and verse I am sure 
- before they can offer motor insurance (this is so regular checks can be made that the insurers have sufficient funds to meet ongoing liabilities, among other things).
An early post referred to a situation along the lines of a UK-registered car being driven by a UK citizen using a French motor insurance policy in a "Road Wars"-type programme, and whose car was seized. It was seized on the basis that the foreign insurer was not recognised by the MIB.
OP will fall into this trap early on, unless he is incredibly lucky to find a Mainland EU-based insurance company that is recognised by the MIB (or whoever oversees this part of thigs).
Regards "people can drive ianywhere in the EU on a Green card" - this is genally time-limited
.
Like AXA ?? - before they can offer motor insurance (this is so regular checks can be made that the insurers have sufficient funds to meet ongoing liabilities, among other things).An early post referred to a situation along the lines of a UK-registered car being driven by a UK citizen using a French motor insurance policy in a "Road Wars"-type programme, and whose car was seized. It was seized on the basis that the foreign insurer was not recognised by the MIB.
OP will fall into this trap early on, unless he is incredibly lucky to find a Mainland EU-based insurance company that is recognised by the MIB (or whoever oversees this part of thigs).
Regards "people can drive ianywhere in the EU on a Green card" - this is genally time-limited
.Let's make some assumptions:
- OP declares all correct material facts to insurer;
- there is a free European insurance market and no legal issue buying insurance in another country.
A: A foreign insurer may have no experience of UK accident rates and info, so decline to give you a quote because it's too much hassle for them to deal with.
B: A foreign insurer may have no experience of UK accident rates and info, so goes via a UK insurer anyway. Result: same price (at best, possibly higher)
C: A foreign insurer does have knowledge/experience of UK accident rates and info, and comes to the same conclusion as a UK insurer. Result: same price.
On the subject of whiplash claims - if you cause an accident and the third party sues for whiplash injury, it will all go through a UK court, English law will apply and the insurer being in a different country will have no bearing on any payout. In fact, if there is difference in rights under English law and the insurer's policy terms it may not pay out the full amount and you would have to pay the difference.
Interesting fact: there is a situation whereby you can legally drive on UK roads without third party (or RTA) insurance.
- OP declares all correct material facts to insurer;
- there is a free European insurance market and no legal issue buying insurance in another country.
A: A foreign insurer may have no experience of UK accident rates and info, so decline to give you a quote because it's too much hassle for them to deal with.
B: A foreign insurer may have no experience of UK accident rates and info, so goes via a UK insurer anyway. Result: same price (at best, possibly higher)
C: A foreign insurer does have knowledge/experience of UK accident rates and info, and comes to the same conclusion as a UK insurer. Result: same price.
On the subject of whiplash claims - if you cause an accident and the third party sues for whiplash injury, it will all go through a UK court, English law will apply and the insurer being in a different country will have no bearing on any payout. In fact, if there is difference in rights under English law and the insurer's policy terms it may not pay out the full amount and you would have to pay the difference.
Interesting fact: there is a situation whereby you can legally drive on UK roads without third party (or RTA) insurance.
There are plenty of insurance companies that exist in multiple countries. Axa are a good example, as are Zurich.
But the key is:
Does that commercial entity want to offer you insurance? (they would not be obliged to quote)
And, in parallel, is that policy going to be usable in the UK for your scenario?
The complexity of the scenario posed will not fit their fixed/established process. They will make money from those that don't search around each year. Being a commercial enterprise they might just say "Sorry, we won't be quoting in this case"
edit: xRIEx got there first...
But the key is:
Does that commercial entity want to offer you insurance? (they would not be obliged to quote)
And, in parallel, is that policy going to be usable in the UK for your scenario?
The complexity of the scenario posed will not fit their fixed/established process. They will make money from those that don't search around each year. Being a commercial enterprise they might just say "Sorry, we won't be quoting in this case"
edit: xRIEx got there first...
djad1200 said:
I don't care how little profit they make
They take 20% of my yearly income
also I would like to see the look on someone's face who is trying to claim whiplash on foreign insurance as the word whiplash doesn't exist in Poland
If you ring up insurance over there for whiplash will laugh at you
Anyway I will keep looking
The reason why I want to pay somewhere else is because it's cheaper
I don't care whose cheaper. If it's England then they will be paid if it's somewhere else then they will be paid instead
20% what on earth do you drive?!They take 20% of my yearly income
also I would like to see the look on someone's face who is trying to claim whiplash on foreign insurance as the word whiplash doesn't exist in Poland
If you ring up insurance over there for whiplash will laugh at you
Anyway I will keep looking
The reason why I want to pay somewhere else is because it's cheaper
I don't care whose cheaper. If it's England then they will be paid if it's somewhere else then they will be paid instead
The only service I know of remotely similar to this only works if you're expat. This idea simply doesn't work.
"Yeah, I can't have a whiplash claim against me because my Polish insurer won't stand for that!"
Do they have the powers of the court? If they refuse to entertain these ideas, they're not insuring the 3rd party. Therefore, they are not meeting the legal requirements for your insurance. Therefore your insurance is null and void. Therefore you may as well simply drive without insurance and hope for the best, as far as a court case is concerned.
"Yeah, I can't have a whiplash claim against me because my Polish insurer won't stand for that!"
Do they have the powers of the court? If they refuse to entertain these ideas, they're not insuring the 3rd party. Therefore, they are not meeting the legal requirements for your insurance. Therefore your insurance is null and void. Therefore you may as well simply drive without insurance and hope for the best, as far as a court case is concerned.
I am currently studying in Hatfield, 25 minutes out of London.
I am 21 years old, from Australia and have entered the UK with a valid Italian Passport.
My uncle owns a 2003 Mercedes benz C class 1.8L (Nothing powerful) up in Birmingham, the car is currently unregistred, but was previously registred in his name. An MOV check was done by a friend of my uncles last week.
I will be in europe until May/June until my semester finishes and I am looking to drive around both the UK and Europe with this vehicle.
The quotes I have received to insure this vehicle from UK "Companies" have been embarrassingly high.
In fact, most websites fail to give me a quote as I have a NON UK drivers license.
I have driven in Australia since 2007 (3.8lr V6 I feel I must add) and have not made one insurance claim, although have been an additional driver to my fathers policy back home the whole time, therefore I believe the No claims discount benefits would be his to enjoy.
I simply want to insure this car for MINIMAL use in the UK, but to have the ability to drive around Europe as I please.
Since it is the 21st Century and we are now informed as consumers, I find it difficult to believe that since the European Union was formed to diminish the borders between these countries, that I couldn't find a cheaper rate of insurance from a country other then England.
I suppose my question are:
1 - If I re register the car here in the UK, is it still possible to have a foreign (european) insurance company, without being pulled over by the "police" all the time.
2- If number 1 above is not possible, then if i were to somehow register the car in another european country, then insure it accordingly, would I be able to drive it in the UK freely, just as if a family from France would be driving their car to the UK for a week or two, without getting pulled over by the police every 5 minutes?
ANY advice would be HIGHLY appreciated. I have a car sitting there in Birmingham at an MOV lot of a family friends, and I find it comical that I am unable to go and get it due to this country making it an obligation to insure your vehicle firstly, and then monitoring it with bloody cameras meaning I'd get pulled over after 5 minutes if I tried to simply bring it back to Hatfield.
I have read this entire thread and been researching intently, but haven't been able to crack this yet.
Please HELP!!!
I am 21 years old, from Australia and have entered the UK with a valid Italian Passport.
My uncle owns a 2003 Mercedes benz C class 1.8L (Nothing powerful) up in Birmingham, the car is currently unregistred, but was previously registred in his name. An MOV check was done by a friend of my uncles last week.
I will be in europe until May/June until my semester finishes and I am looking to drive around both the UK and Europe with this vehicle.
The quotes I have received to insure this vehicle from UK "Companies" have been embarrassingly high.
In fact, most websites fail to give me a quote as I have a NON UK drivers license.
I have driven in Australia since 2007 (3.8lr V6 I feel I must add) and have not made one insurance claim, although have been an additional driver to my fathers policy back home the whole time, therefore I believe the No claims discount benefits would be his to enjoy.
I simply want to insure this car for MINIMAL use in the UK, but to have the ability to drive around Europe as I please.
Since it is the 21st Century and we are now informed as consumers, I find it difficult to believe that since the European Union was formed to diminish the borders between these countries, that I couldn't find a cheaper rate of insurance from a country other then England.
I suppose my question are:
1 - If I re register the car here in the UK, is it still possible to have a foreign (european) insurance company, without being pulled over by the "police" all the time.
2- If number 1 above is not possible, then if i were to somehow register the car in another european country, then insure it accordingly, would I be able to drive it in the UK freely, just as if a family from France would be driving their car to the UK for a week or two, without getting pulled over by the police every 5 minutes?
ANY advice would be HIGHLY appreciated. I have a car sitting there in Birmingham at an MOV lot of a family friends, and I find it comical that I am unable to go and get it due to this country making it an obligation to insure your vehicle firstly, and then monitoring it with bloody cameras meaning I'd get pulled over after 5 minutes if I tried to simply bring it back to Hatfield.
I have read this entire thread and been researching intently, but haven't been able to crack this yet.
Please HELP!!!
If its on Italian plates then you should be able to insure it with an Italian company and drive it in the UK with no issues if you have an Italian passport provided its got the Italian equivalent of an MOT (Pink Slip) Cameras in the UK won't ping up an overseas registered car so there won't be any issues of being stopped all the time, Theres thousands of EU registered vehicles on the roads in the UK and the police don't single them out.
Unfortunately the UK insurance system is quite a long way behind most places being that in order to insure a car you have to specify the exact drivers for the vehicle and theres no CTP or Green slip system in place to make sure every vehicle is covered.
Unfortunately the UK insurance system is quite a long way behind most places being that in order to insure a car you have to specify the exact drivers for the vehicle and theres no CTP or Green slip system in place to make sure every vehicle is covered.
I see, how complicated a process would we be talking about when we say bringing an UNREGISTERED (was previously, just hasn't been renewed), UNINSURED vehicle down to another European country (doesn't have to be italy) and then getting a separate MOV done in that country, register it, and then insure it.
Would the UK MOV check which i had done last week be sufficient in order to apply for registration in another EU country? Or must it be done in that country as well?
As strenuous as all that sounds, I'm from the other side of the world coming from australia and its a dream for me to drive around europe and unfortunately the UK insurance prices are making that completely undoable for me, so I'm willing to put some effort in, if the end result will be paying a real world figure for 4-6 months worth of insurance here in europe.
Would the UK MOV check which i had done last week be sufficient in order to apply for registration in another EU country? Or must it be done in that country as well?
As strenuous as all that sounds, I'm from the other side of the world coming from australia and its a dream for me to drive around europe and unfortunately the UK insurance prices are making that completely undoable for me, so I'm willing to put some effort in, if the end result will be paying a real world figure for 4-6 months worth of insurance here in europe.
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