Driving -Insurance

joyceym · 2025-08-18T18:41:21+02:00

Struggling with high car insurance rates in England? Discover tips for finding affordable coverage, especially for part-time residents.

joyceym New member

Member since 18 August 2025

joyceymNew member18 August 2025 16:41:21

Hi!

I live in England only about 6 months a year. How can I get affordable car insurance? Everywhere we鈥檝e tried has been exorbitant.

Thanks!

SimCityAT Expert

Member since 08 April 2014

SimCityATExpert18 August 2025 17:16:11

12381

Hi!
I live in England only about 6 months a year. How can I get affordable car insurance? Everywhere we鈥檝e tried has been exorbitant.
Thanks! - @joyceym

A simple answer to that is just to shop around. Car insurance in the UK is very expensive, especially if you are new to the country. Maybe have it in your husband's name and have you as a named driver?聽

joyceym New member

Member since 18 August 2025

joyceymNew memberYesterday 05:32:03

We have shopped around. No luck, and yes it鈥檚 in my husbands name. Thx anyway.

Cynic UK/Netherlands Expert

Member since 15 September 2015

CynicUK/Netherlands ExpertYesterday 11:38:52

7958

Have you tried asking your US insurer?聽 The difficulty you are facing is that the European Insurance market is not geared up for temporary residence (some suppliers require residency as a minimum), then things like no-claims bonus are geared around the previous 12 months insurance activity, so you will likely never qualify; all these things reduce the marketplace which as you are finding out, can only have one effect - put the prices up and cost you a small fortune.

One other solution which will also be expensive is to hire a car when you actually need one.

I hope this helps.

Cynic

海角乱伦 Team