Can you add a visitor to an existing UK car insurance policy?

Can You Add a Foreign Visitor as a Named Driver?

In theory, you may be able to add a foreign visitor as a named driver to an existing UK car insurance policy, but in practice, it can be difficult. Many insurers have restrictions when it comes to adding drivers with non-UK licences. Some may allow it under specific conditions, whilst others may refuse outright.

Here are some factors that might affect the ability to add a foreign visitor to a UK policy:

• The Visitor’s Licence: Some insurers could only accept foreign licences from certain countries.
• Length of Stay: A visitor who could be in the UK for only a short period may not meet an insurer’s criteria.
• Driving History: UK insurers often require a detailed driving history, which can be harder to verify for visitors.
• Policyholder’s Insurer: Each insurer sets its own rules, and some simply do not allow non-UK licence holders to be added.

Roadblocks of Adding a Foreign Visitor to a UK Policy

Even if an insurer allows a foreign visitor to be added to an existing policy, there can be additional troubles:

• Higher Premiums: Adding a non-UK driver may result in increased costs owing to the perceived risk.
• Limited Cover: Some insurers may impose restrictions on cover levels, meaning the visitor might not have comprehensive protection.
• Paperwork Requirements: Verifying the visitor’s driving history and licence details can take time and may require translations.

Alternatives to Adding a Foreign Visitor to a UK Policy

If adding a visitor to an existing policy proves difficult or expensive, there are alternatives that may be worth considering:

• Short-Term Insurance: A temporary insurance policy could provide cover for a few days or weeks without affecting the existing policyholder’s cover.
• Car Hire with Insurance: Instead of borrowing a car, the visitor may find it easier to hire a vehicle with insurance included.
• Public Transport: Depending on the visitor’s plans, public transport or ride-hailing services may be a hassle-free alternative.

Thoughts on the Topic:

Whilst it may be possible to add a foreign visitor to an existing UK car insurance policy, it isn’t always straightforward. Restrictions on licence types, the length of stay, and increased premiums can make it impractical. In many cases, exploring short-term insurance or alternative transport options may be the simplest solution.

Need a Simple Insurance Option for a Visitor?

If you’re looking for an alternative to adding a visitor to an existing policy, click the button below for more information and to get a quote.