Imported Car Insurance

Many motorists have started to import cars from overseas. They are usually cheaper but built to a higher specification than UK models. Due to the increasing number of imported cars, especially Japanese, the process has become easier.

How much is imported car insurance going to cost?

Imported car owners usually need to pay more than the average for car insurance.

Insurance companies charge more to cover imported cars as it is more difficult and expensive to source parts and undertake repairs should a claim arise. An import may not be built to European standards, e.g., it could be left hand drive.

What are grey imports?

The cost of imported car cover is mainly determined by your car's import category. 'Grey' imports are built for non-EU countries and therefore do not meet European standards, such as, Japanese cars.

Certain insurers do not offer grey or Japanese import car insurance; others' prices are very high. Japanese imports have to undergo testing under the Single Vehicle Approval scheme prior to being legal to drive on UK roads. Your insurer will normally ask several questions regarding grey imports prior to quoting.

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What if my car is imported from Europe?

Parallel imports are straightforward as they are bought from another EU country. Therefore, they have to adhere to the same minimum standards as the UK. Insurers are usually more willing to insure parallel imports and the cost of cover is not normally high.

How do I reduce the cost of import car cover?

Here are some money saving tips which may help you before you start to search for imported car cover search:

  • It is more difficult and expensive to insure an imported car as certain insurers do not differ between a left-hand and a right-hand drive vehicle in their quotes, given that there are no additional modifications to the car. Insurers view certain modifications more positively; with the majority of insurers providing cheaper premiums should you have fitted an approved security device like an alarm or immobilizer.
  • Steer clear of high performance or sporty cars, as they are almost always more costly to insure.
  • You may be able to get a further reduction on your premium if your car is kept locked overnight in a garage.
  • You get a lower premium should you be willing to pay a higher excess. owner premium.
  • It is sensible to take extra care when driving as motorists who build up a no claims discount pay less for their car insurance.
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