Why Insurance Matters in the UK
Insurance plays an important role in everyday life in the UK. Some types of cover are legally required, while others provide financial protection and peace of mind.
As an expat or overseas visitor, understanding what cover you may need can help protect you, your family and your finances.
Insurance Types
Home Insurance
Health Insurance
Travel Insurance
Breakdown Assistance
What Insurance Is Required in the UK?
Usually Required:
- Motor insurance (if driving)
Strongly Recommended:
- Home insurance
- Health insurance
- Travel insurance
Optional but Valuable:
- Life insurance
- Income protection
Why Insurance Can Be More Difficult for Expats
Some providers specialise in expat-friendly insurance products, while comparison websites can help you compare multiple options quickly.
- No UK insurance history
- Higher premiums
- Overseas driving licences
- Understanding UK policies and terminology
Where to compare Insurance
It’s super important to not just sign up for the first quote you receive, for any insurances. By using insurance comparison websites, you’re able to compare multiple providers in one easy process, here are a few of the best comparison websites in the UK
Insurance Comparison Portals
Einsure
Einsure is an excellent place to start with lots of different types of insurance quotes all in one place, covering car insurance, contents and buildings insurance, travel insurance, home insurance, life insurance and more. Compare multiple providers in one place.
Compare The Market
Compare The Market has one of the best marketing campaigns ever produced, their amazing appeal to consumers makes them one of the best known insurance comparison websites in the UK. Not only do you get competitive pricing, but they also throw in additional perks on top.
MoneySuperMarket
MoneySuperMarket is one of the largest insurance compariosn websites in the UK, offering policies prices for cars, homes, life and travel. They also have other services to help you get connected with your utility bills and your business requirements.
Go.Compare
Go.Compare has a very catchy advert that gives you a good laugh but when it comes to their website expect easy to navigate quote requests for a range of insurance services including car, home, life and travel. Again, perks are available to customers as well as a range of other services such as utilities and mobile.
How to choose the right insurance cover
- Compare multiple quotes
- Understand excesses and exclusions
- Check cancellation policies
- Make sure overseas residents are eligible
- Don’t choose based on price alone
Helpful Insurance Guides
You May Also Need
Housing in the UK
Expat Car Leasing & Rentals
Utility Bill Setup
Money and Banking
Frequently Asked Questions
Do expats need insurance in the UK?
Some insurance, such as motor insurance, is legally required. Other types are optional but recommended.
Can expats get UK insurance without credit history?
Yes, although premiums may be higher initially.
Is health insurance required in the UK?
No, but many expats choose private health cover for faster access and additional services.
Can I use overseas insurance in the UK?
This depends on the policy and provider.