Do Australians need extra insurance to drive in the UK?

Can Australians Legally Drive in the UK?

Yes, Australians with a full and valid driving licence can drive in the UK without needing to exchange their licence. Visitors are generally permitted to drive for up to 12 months from their date of arrival.

However, whilst driving legally is one thing, ensuring you’re properly insured is another. UK law requires valid motor insurance, even if you’re only driving for a short period.

Will Australian Insurance Cover You in the UK?

Some Australian car insurance policies may offer limited international cover, but this is not common. Even if your insurer provides overseas cover , it’s important to check the specifics, such as:

• Which countries are covered (not all policies include the UK).
• How long the cover lasts.
• Whether it includes comprehensive protection or just third-party liability.

Because Australian policies rarely extend full cover to overseas driving, many visitors find they need to arrange alternative insurance when driving in the UK.

Options for Getting Insured in the UK

1. Short-Term Insurance

If you’re borrowing a car from a friend or relative, short-term insurance could be a practical option. These policies provide temporary cover for various durations, from a few hours to a few weeks.

Not all insurers provide short-term cover for Australian visitors, so it’s worth checking whether your licence is accepted. The vehicle itself also needs to meet certain criteria.

2. Being Added as a Named Driver

Some UK car owners may be able to add an Australian visitor to their existing policy. However, not all UK insurers allow non-UK residents to be included, so this option may not always be available.

It’s worth comparing this option with short-term cover, as premiums may vary depending on the insurer.

3. Rental Car Insurance

If you’re hiring a car, the rental company usually includes basic insurance in the cost. However, this often comes with a high excess, meaning you may be liable for significant costs in the event of damage.

To reduce the risk, you might consider taking out an excess protection policy, which covers the deductible amount the rental company would charge.

What Happens if You Drive Without Insurance?

Driving without insurance in the UK is illegal. If caught, you could face:

• A fine and penalty points on your licence.
• Vehicle seizure and potential impound fees.
• Legal action if involved in an accident without valid cover.

Even if you’re driving for just a short time, it’s significant to ensure you’re covered.

What About Driving in Europe?

If your trip includes driving to mainland Europe, it’s important to check whether your chosen insurance covers international travel. Some short-term policies include European cover, whilst others may require an additional extension.

Rental car insurance may also differ depending on the country you’re driving in, so always confirm the details before setting off.

Wrapping It Up Neatly:

Australians can legally drive in the UK on their existing licence, but extra insurance is likely to be needed. Australian insurance policies generally don’t extend full cover overseas, so arranging appropriate UK-based insurance is well worth doing.

Options include short-term insurance, being added as a named driver, or using a rental company’s insurance. Checking the details in advance might ensure you stay on the right side of the law and avoid unnecessary costs.

Planning to drive in the UK? Click below to find out more and get a quote for your trip.