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Car insurance for international drivers in the UK

Find out how car insurance works for international drivers in the UK

You need car insurance to drive in the UK, wherever you come from. Find out more with our guide to car insurance for foreign drivers

By Mehdi Punjwani

Published: 11 January 2021

Female traveller with suitcase opening car door

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Do I need car insurance to drive in the UK as a foreign driver?

Yes, valid car insurance is a legal requirement in the UK, even if you’re only visiting. If you plan to drive a friend or relative’s car while you’re in the UK, the easiest option is often to be added to their policy as a named driver. The policyholder will almost certainly face an extra charge to do this, though.

If you’re hiring a rental car, you won’t need to worry about car insurance, as it will be included in the price. However, you might want to buy separate car hire excess cover, which is often cheaper than the excess insurance offered by hire car companies.

If you’re driving a company car, it’s your employer’s responsibility to make sure you have the right cover – that would be business car insurance. However, fleet insurance policies often exclude non-UK licence holders, so you may need to get a UK driving licence to be covered this way.

Can non-residents get car insurance in the UK?

Yes, you can take out a car insurance policy as a non-resident. If you’re visiting the UK for up to a few months and want to drive someone else’s car while you’re here, short-term car insurance may prove the best bet.

Policies of this kind last for between 30 and 90 days, but whether you can qualify often depends on where you usually live.

Can I get car insurance with an international drivers licence?

You can take out UK car insurance with a foreign driving licence, although it is often more expensive as insurers tend to view international drivers as a higher risk.

The three main levels of cover available are: 

  • Comprehensive cover: The highest level of cover, this also includes accidental damage to your car – as well as any injuries you incur
  • Third-party, fire and theft: This level of cover also includes costs related to fire damage or the theft of your car
  • Third-party only: This is the minimum level of insurance you must have by law in the UK. It covers damage to other vehicles and property, but won’t cover damage to your car

Is foreign car insurance valid in the UK?

If you’re bringing your own car on a trip to the UK, your existing insurance policy will generally provide third party cover while you’re here - although it’s always a good idea to check this before driving in the UK. It’s also worth asking your insurer to give you a ‘green card’ that proves you have the necessary insurance, in case you’re involved in an incident.

However, if you want to buy a car in the UK, you will need a UK car insurance policy. 

Do I need an international driving permit to drive in the UK?

You don’t need an international driving permit to drive in the UK. As long as you have a valid driving licence from your country of origin, plus an accepted form of ID (such as a passport), that should be enough to get the insurance you need to get behind the wheel in the UK – for the first year at least.

How long can I keep a foreign car in the UK?

If you become a UK citizen or decide to stay in the UK for longer than 6 months, you’ll need to register and tax your vehicle here to continue to use it on British roads. You’ll also have to do this if you plan to make several shorter visits to the country that total more than six months during a 12-month period.

If you’re visiting for less than six months, your car can remain taxed and registered in your home country.

How long can I drive with an international drivers license in the UK?

You can use a foreign driving licence for up to 12 months in the UK, after which you’ll need to get a UK licence.

If you have a European licence or an exchangeable international licence, you should still be able to swap it for a UK licence once you’ve been resident here for six months, even post-Brexit. Just fill in the form on the government website and pay the £43 fee.

If you have a non-exchangeable international licence, you’ll have to take a driving test to get your UK licence. You can apply for a provisional licence and take your test once you’ve been resident in the UK for six months. You may have to do this to be covered to drive a company car.

How much is car insurance for international drivers in the UK?

You will often have to pay more for car insurance if you don’t have a UK driving licence – even if you have been driving for many years and have never had an accident. According to MoneySuperMarket data, the average premium paid by international licence holders is £1,678 – or £975 more than the average premium paid by UK drivers.1

Driving licence type

Average annual premiums1

Full European (Non-EU)

£2,121

Full International Licence

£1,678

Full EU Licence

£1,195

Full UK Car Licence

£702


The reason for this is that insurers think international drivers are more likely to make a claim due to their lack of experience on UK roads. You may also struggle to find a car insurance company that will take into account any no-claims discount you have built up in another country.

1Based on fully comprehensive car insurance policies with one driver only. MoneySuperMarket data collected between October and December 2020, accurate as of December 2020.

Can I use my existing no-claims bonus in the UK?

When taking out UK car insurance, you may be able to negotiate a discount based on a no-claims bonus built up overseas if you can present a certificate proving it from your previous insurer. (The same is true if you’re a UK resident moving abroad.)

However, not all insurers will accept a certificate from a non-UK insurance provider, so you’ll probably have to shop around to find one that does.

How can I save on car insurance as a foreign driver?

Ways to cut the cost of car insurance for international drivers include:

  • Get a UK licence: One of the easiest ways to cut the cost of insurance in the UK is to get a UK driving licence – either by swapping it for your existing licence, or by taking a driving test
  • Shop around: If you have several years of no-claims bonus built up in your home country, it makes sense to try to find an insurer that will take this into account when pricing your policy
  • Compare different levels of cover: Third-party only cover is not always the cheapest option – especially if you have an accident. Check different level of cover and compare the protection provided as well as the price.   

Compare car insurance

It’s easy to compare car insurance with MoneySuperMarket. Just pop in a few details about yourself, the car you plan to drive, and your driving history, and we’ll show you a list of car insurance policies that suit your individual needs.

Then all you have to do is choose the one that offers the cover you need at the best price, and click through to confirm your purchase.

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