Car insurance is compulsory in the UK, even for people visiting. However, there is specialist insurance for those spending a limited time in Britain. This is the case for most countries and is by no means a unique practice. Visitors to the country can do just fine with temporary third-party car insurance, but unfortunately it’s not the cheapest option. Don’t worry, you have several options when it comes to car insurance as a visitor to the UK.
UK car insurance
Much like car insurance cover in the US, car insurance in the UK is for the car, not the driver, as it is required for all registered vehicles using the roads. You will still need to specify who the policy is for and you can even add additional drivers. Meanwhile, other cars will need their own policies similar to the US. When it comes to car insurance, there are three main types in the UK:
- Public liability – This is basic car insurance in the UK and often the minimum requirement for all drivers. It includes all necessary liability coverage, such as bodily injury and property damage to other drivers.
- Third Party Fire and Theft – This extends standard liability insurance with the addition of theft and fire damage protection. Damage related to storms and bad weather can also be covered by this insurance.
- Complete – This level of cover is the most extensive as it also covers damage that occurs when the car is not in use or parked. Some multi-risk insurance even allows the driver to use other cars while benefiting from all the protections it offers.
UK car insurance cost
Car insurance pricing in the UK is similar to that in the US, where insurers take into account all the factors suggesting an insured at risk. These include things like the age of the driver, the vehicle itself and driving history as well as the primary use of the car. The average cost of car insurance in the UK is around £431 per year, which is actually one of the highest rates in Europe. Car insurance costs can be reduced by having safety features, paying the amount up front and being a careful driver first and foremost.
The best car insurance in the UK for visitors
As mentioned earlier, term auto insurance is an expensive coverage option. As a visitor, this implies that there is a time when you will be leaving, so you don’t want to be stuck with car insurance you don’t use. The good news is that car rental companies often include at least the minimum amount of car insurance for international travelers. Driving licenses from other countries are often valid in the UK, leaving just the mode of registration and car insurance. Car rental companies are the best because they handle both of these.