The Best Car Insurance for Expats Returning to The UK

Expats returning to the UK to visit friends and family often find themselves with a packed itinerary. From cross-country catch-ups to last-minute plans, getting around without your own transport can be tricky. Relying on lifts or public transport isn’t always convenient, and rental cars can be costly. That’s where expat car insurance comes in. It’s a type of temporary car insurance designed for UK citizens who currently live abroad but are back visiting the UK. It provides the flexibility you need to get behind the wheel during your visit. Whether you’re borrowing a friend’s car or using one you’ve left in the UK, here’s everything you need to know.

How Can You Drive When Visiting the UK as an Expat?

There are a few options when it comes to getting around while you’re home:

Rent a car

Daily car hire in the UK can start at between £20 and £40, expect to pay more depending on the car you’re after – and those costs quickly add up for longer visits. Some rentals also come with mileage limits or expensive excesses.

Bring your own car from abroad

Driving your own vehicle back to the UK might sound straightforward, but there are a few things to bear in mind. You’ll need to:

• Check whether your policy covers driving in the UK and whether it offers comprehensive or third-party cover only.
• Consider the time, fuel costs, and ferry expenses.
• Be aware of additional rules for foreign vehicles driving in the UK long-term.

Borrow a car and insure yourself with expat insurance

This is often the most flexible and cost-effective option. If you’re staying with friends or family and they’re happy for you to drive their vehicle, you can simply buy a temporary insurance policy that covers you for that exact car, without affecting the owner’s no claims bonus – even in the event of an accident. It takes minutes to arrange and gives you complete independence while you’re home.