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  • Does an imported car affect car insurance?
  • FAQs
  • Useful links
  • Customer reviews

Jump to section

  • Does an imported car affect car insurance?
  • FAQs
  • Useful links
  • Customer reviews

Why compare import car insurance?

Comparing import car insurance quotes means you can find a policy that gives you the protection you need at a price that suits your budget.

Comparing quotes from a range of different insurers also gives you a clearer idea of what’s available, helping you make a more informed choice about your car cover.

Import car insurance advice and FAQs

What is imported car insurance UK?

Import car insurance is specifically designed for anyone buying a car from outside of the UK. When you buy an import, it’ll fall into one of two categories:

  • Grey imports – these are cars imported from outside of the EU. Some of the most popular grey imports are Japanese and American cars. 
  • Parallel imports – these are cars imported from within the EU and meet the same safety standards as cars made for the UK market. 

Does an imported car affect car insurance?

In short, yes, importing a car can affect your car insurance for a number of reasons. One of the main issues is that imported cars tend to be higher spec. Not only does this mean there’s potentially more to go wrong in terms of gadgets and tech; cars with powerful engines are more likely to be involved in accidents. Both increase the chances of an expensive claim being made, which affects the cost of your premium.

Grey imports don’t conform to safety standards recognised in the UK either which can make them harder to insure. 

Is imported car insurance more expensive?

Generally speaking, yes, import car insurance is more expensive because parts and labour can be tricky to get hold of and potentially costly. Plus, because grey imports aren’t made to UK regulations, insurers don’t always have safety data to draw from. From an insurance perspective, this can be a worry and makes imported cars inherently riskier to insure. 

With all of this in mind, you can expect to pay more to insure your imported car.

Can I get cheap Japanese import car insurance?

Specialist insurers may have more experience insuring certain types of import, which could result in lower premiums. But whether you can get cheap car insurance for your Japanese import will depend on a number of factors and not just the car. 

Although insurers will consider the car itself and the availability of parts and labour, they’ll also need to think about your own circumstances, including:

  • Your ageyounger drivers pay significantly more for car cover than older drivers because they’re statistically more likely to be involved in an accident. 
  • Where you live – postcodes with higher than average crime rates can increase premiums.
  • Your driving record – convicted drivers can expect to pay more for insurance.
  • Your claims history – a recent claim can mean higher premiums. 

Using all of this information, insurers will calculate a premium that reflects the risk and potential cost of a claim being made. 

Are imported cars worth less?

Financially, imported cars can be cheaper to buy compared to UK-made vehicles. In some cases, they could shave significant amounts off the UK equivalent but that doesn’t mean they’re a steal in the long run.

Don’t forget, that you’ll need to add all the import costs as well as vehicle excise duty (road tax) on top of any cost involved in registering it. That’s before you even consider finding insurance.

Plus, in terms of resale, it might be harder to find a buyer unless they’re also keen on imported cars. Potentially that means selling the car for less than you’d like.

How to get cheap import car insurance

Importing a car is likely to mean higher than average insurance costs but you can help keep premiums to a minimum with these simple tips:

  • Pay for your policy upfront – avoid interest fees and pay for your policy in one go. 
  • Increase your voluntary excess – this can lower your overall premium, it still needs to be affordable because you’ll need to pay it for a claim to proceed. 
  • Increase security – keeping your car in a locked garage or fitting safety devices can help keep costs down. 
  • Limit mileage – the fewer miles you do, the cheaper your policy is likely to be as there’s less chance of being involved in an accident. 
  • Advanced driving qualification improving your driving skills can help cut premiums.
  • Join a club – insurers sometimes offer discounts if you’re a member of a car club. 
  • Check if it’s a classic – if your import is also a classic car, let your insurer know. Classic car cover can be cheaper so it’s worth investigating because it could lead to lower premiums. 
  • Compare quotes – this really is one of the quickest and easiest ways to find affordable cover. Start your search by filling in our online form, or speak to a friendly member of the team on 0330 022 8814.

Compare import car insurance today