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Expat Car Insurance

For expats moving abroad, one of the first and most important types of insurance considered by many is international motor insurance.

Last updated 7 November 2017

For expats moving abroad, one of the first and most important types of insurance considered by many is international motor insurance.

Most standard insurance policies will not cover your vehicle once you leave your country of residence it’s therefore essential that you purchase a car insurance policy which provides coverage for the entire time you are abroad.

Speak to an expert who understands the local car insurance requirements in the country where you plan to relocate. It might be possible for you to purchase primary liability coverage from a local provider, and then obtain and excess liability policy from an international insurer.

The expert will also be able to help you understand the local regulations and who will support you if you have a dispute with a local insurance provider. With an international car insurance policy provider, this risk may be negated.

Local vs international expat car insurance polices

As with car insurance policies in the UK, you will often have a choice as to whether your policy is comprehensive, third party or excess. Often if you choose a local policy, you may wish to extend it further with an international policy.

One benefit to choosing an international car insurance policy rather than a local policy is the ease and effectiveness with which you can raise a claim. If you’re unsure about how much of a headache it will be to make a claim, speak to an expert who will talk you through the differences with local and international insurance. For example, you may require local adjusters which lead to waiting periods which can delay your claim.

Finally, when choosing a car insurance policy ensure that you are able to read and understand it fully. One major example of an international car insurance policy is that it is written in English, and not a foreign language so nothing will get lost in translation.

Experts for Expats has been featured in...

The Guardian - The older expats facing poverty – thanks to Brexit and frozen pensions - click to see article
BBC Breakfast - Expats in Cyprus having issues with UK bank accounts - click to see article
The Times - Thousands of retiring Britons vote for Brexodus - click to see article
Saga - Want to retire in the EU? What could the future hold for you? - click to see article
The Telegraph - The surprising places British expats can earn the most - click to see article
MailOnline - A third of British expats would like to move back to the UK and 40% admit they are homesick... but they will stay abroad for a better quality of life - click to see article

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I would just like to thank you very much for putting me in touch with a specialist in your network. He was an enormous help to me and seemed to have a good understanding of my situation and was able to address my questions very adeptly and very quickly. I spoke with him last week and it was really helpful, as was his follow-up email.

Patricia M.

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As an expat who has been living outside the UK for 30 years, it was reassuring to speak to a representative of your company who seemed to have his clients interest at heart, especially when the client has no expertise in finances and investment.

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Although my personal situation and circumstances are a bit complicated Alan was very professional and took the time to understand the various issues and concerns. He's come back with some things for me to consider after which I'll make some decisions about how to proceed.

Gordon. H

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