Can EU drivers still use their European car insurance in the UK?

Driving in the UK with an EU-Registered Car

EU drivers can still bring their cars into the UK, but certain conditions must be met. If you're planning a short visit - say, a holiday or a work trip - your vehicle should generally be covered under your existing European policy. However, there are some key things to check before you set off:

• Does your policy cover the UK? Many European insurance policies include third-party cover for driving in the UK, but this is not guaranteed. Some insurers may require additional documentation.
• Do you need a Green Card? Whilst Green Cards were briefly required post-Brexit, they are no longer mandatory for most EU drivers. However, it is always wise to confirm with your insurer.
• What level of cover do you have? Even if your European insurance allows you to drive in the UK, it may only provide basic third-party cover rather than comprehensive protection.

What Happens If Your European Insurance Doesn’t Cover You?

If your insurer does not extend cover to the UK, or if you need a higher level of protection, you may need to explore alternative options.

Short-Term Insurance for EU Drivers

One option for EU visitors is short-term insurance, which can provide cover for the duration of your stay in the UK. This can be particularly useful if:

• Your existing European insurance only provides third-party cover, and you want additional protection.
• You’re borrowing or hiring a car in the UK rather than bringing your own vehicle.
• Your current policy does not allow you to drive in the UK.

Other Considerations for EU Drivers in the UK

Besides insurance, there are a few other legal and practical things to consider:

• Vehicle tax and registration: If you’re staying for more than six months, you may need to register your vehicle in the UK.
• MOT and roadworthiness: Your car must meet UK road safety standards.
• Speed limits: These can be different from those in your home country, particularly on motorways and urban roads.

What If You’re Borrowing a UK Car?

If you’re borrowing a vehicle from a friend or family member, their policy may not cover you as an EU driver. In this case, you may need temporary insurance to drive legally.

Concluding Highlights:

Whilst many EU drivers can still use their European car insurance in the UK, it could be a smart move to check the details with your insurer. If your cover is insufficient, short-term insurance may provide a solution, especially if you're borrowing or hiring a car. Always confirm your level of protection before driving in the UK to avoid any surprises.

Need Cover for Driving in the UK?

If you're looking for short-term insurance options as an EU visitor, click the button below for more information and to get a quote.