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Importing a foreign vehicle into the UK has become a real trend: over the past decade, more than 209,374 cars have been privately imported onto British roads. That growing number reflects a mix of practical motivations and the appeal of unique models not sold domestically (World Bank).

However, once the car has landed, insurance often becomes the true hurdle. Insurers typically treat imported vehicles differently, considering potential difficulty sourcing parts, compliance issues with regulations, or the relative rarity of the model. Such factors tend to raise premiums.

For prospective importers, understanding the full picture, from registration requirements and taxes to the additional costs of Import Car Insurance and potential complications with left-hand drive or non-standard models, is critical. A clear grasp of these details helps avoid surprises and ensures a smooth transition of your vehicle onto the roads.

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What Is Import Car Insurance?

Import car insurance is a type of cover designed for vehicles brought into the country from another country. These cars often differ from standard models. They may have unique parts, higher repair costs, or left-hand drive setups. Because of this, they require a policy that aligns with their specific risks. Insurers consider the car’s make, its rarity, and the difficulty of its repair.

For example, if you import a Japanese sports car with limited parts, a standard policy may not fit. Import car insurance ensures you get proper protection and support. This type of insurance protects you if your imported car is damaged, stolen, or involved in an accident. It also covers your liability if you cause injury or damage to someone else.

Different Categories Of Imported Cars

Imported cars fall into a few key categories in the country, and understanding them helps you choose the right insurance.

1. Grey Imports

Grey imports originate from countries outside the EU and often adhere to different standards. These cars may lack area-approved safety features. Insurers check this closely. Parts can also be harder to find, which affects repair costs. These factors usually influence the final Import Car Insurance price.

2. Parallel Imports

Parallel imports come from EU countries and follow similar safety rules. These cars are usually easier to insure. Parts and servicing are more accessible, which helps reduce costs. Drivers often choose them for better prices and familiar specifications compared to country-sold models.

3. Personal Imports

Personal imports are cars brought in by the owner rather than a dealer. The process needs proper paperwork to meet rules. Import Car Insurance depends on the car’s age, condition, and country of origin. These cars may need extra checks before insurers approve cover.

VAT and Duty On Imported Cars

  1. VAT (Value Added Tax): VAT is a tax you pay on most goods and services in the area, including imported cars. For cars, it’s usually 20% of the car’s value, including shipping and insurance. HMRC collects this when you bring the car into the country.
  2. Import Duty: Import duty is a separate tax applied to goods coming from outside the country. For imported cars, it’s often 10% of the car’s value plus shipping costs. Duty is meant to protect local markets and regulate trade.

When you bring a car into the country, you must pay VAT and import duty. These charges depend on where the car comes from and its age. Most imported cars from outside require VAT at 20%. You usually pay this when the car enters the country. Customs will guide you on the amount due.

Import duty applies when the vehicle comes from outside the area and the EU. Most cars attract a 10% duty. This duty is based on the car’s value, shipping cost, and Import Car Insurance cost. Classic cars sometimes qualify for a lower rate, but the rules are strict. HMRC reviews each case before approving.

You must register your car with HMRC using the NOVA system. This step helps them confirm your VAT and duty payments. You can’t register the car with the DVLA until you complete this part. Late reporting may bring extra charges, so act on time.

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Japanese Import Car in UK

Classic vs. Modern Imported Cars

FeatureClassic Imported CarsModern Imported Cars
Insurance CostOften higher due to rarity and limited partsUsually lower if widely available models
Parts AvailabilityHarder to source, repairs can be costlyEasier to find parts, servicing simpler
DepreciationValue may increase over timeDepreciates faster like standard cars
Safety FeaturesLimited safety technologyEquipped with modern safety systems
ComplianceMay require modifications to meet standardsTypically compliant with regulations
UsageOften driven less, mostly for shows or leisureDaily use, commuting, or long trips
Premium FactorsAge, rarity, and specialised repairs impact costModel, engine size, and driving history affect the premium
Coverage OptionsSpecialist insurers may be neededStandard insurers usually cover these vehicles
Japanese Import Car

Insurance Issues For Imported Cars

  • Imported cars often cost more to insure than country-registered vehicles. Insurers see imports as higher risk due to parts availability and repair costs.
  • Left-hand drive vehicles may face higher premiums or limited coverage. Some insurers may offer limited policies or charge extra for driving non-standard cars.
  • Some insurers may refuse to cover certain rare or modified imports. Uncommon or heavily modified vehicles might need specialist insurance providers.
  • Insurance quotes can vary depending on the car’s age, value, and origin. Older imports may be cheaper, but high-value imports often attract higher premiums.
  • Japanese or American imports may require specialist Import Car Insurance providers. Not all motor insurers handle cars from overseas, so specialist cover is sometimes needed.
  • Temporary insurance is an option while registering and importing the car. Short-term policies help you stay legal until full registration is completed.
  • Comprehensive cover often gives better protection than third-party for imports. It can cover accidental damage, theft, fire, and repairs to imported parts.
  • Extra documentation, like V5C registration and customs forms, may be needed. Insurers usually request proof of legal import and ownership before offering cover.
  • Modifications to imported cars can affect insurance eligibility or premium costs. Changes like performance upgrades or cosmetic mods can increase premiums or restrict coverage.
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Modifications And Insurance Premiums

Modifications play a key role in determining insurance premiums for imported cars. Insurers assess any changes made to a vehicle, such as performance upgrades, body kits, alloy wheels, or even lowered suspension, as increasing the risk of accidents or theft.

Cosmetic changes, including custom paint jobs or tinted windows, can also influence premiums. Failing to declare modifications may result in claims being rejected or the policy being invalidated.

On the other hand, some modifications, like approved security devices, can reduce premiums.
Before making changes, it’s important to understand how insurers view each modification type. Being transparent about all upgrades ensures accurate coverage and avoids unexpected costs.

Documentation Required For Imported Cars

Before you can get insurance for an imported car in the country, you need to gather several important documents.

1

Vehicle Registration Documents

You’ll need the V5C logbook or a registration certificate. It proves the car is legally yours and registered. Insurers always check this before issuing cover for imported vehicles.

2

Proof of Purchase

Keep your purchase invoice or receipt handy. It shows the car’s value and helps calculate Import Car Insurance premiums. Insurers may also request proof to confirm the car’s origin and import details.

3

MOT Certificate

An up-to-date Ministry Of Tranport (MOT) certificate is essential for cars over three years old. It confirms the vehicle is roadworthy and safe. Some insurers may refuse coverage without a valid MOT.

4

Customs and Import Papers

You must provide HMRC customs clearance documents. They confirm that duties and VAT are paid. Insurers need these to validate the car’s legal import status.

5

Identity Proof

A valid driving license or passport is required. Insurers use this to confirm your identity and driving eligibility. Some may also request proof of address.

6

No-Claims Bonus Evidence

If you have previous Import Car Insurance, show your no-claims bonus certificate. It can reduce your premium. Make sure it’s valid and matches the car you’re insuring.

7

Vehicle Specifications

Provide details like engine size, make, model, and year. Insurers need this to calculate risk and set the correct premium. Accurate information ensures smooth policy approval.

import car insurance

Are Imported Cars More Expensive To Insure?

Yes, imported cars usually cost more to insure in the country. Several factors contribute to this:

  1. Repair Costs: Parts for imported cars are often harder to find, making repairs expensive.
  2. Specialist Mechanics: Imported vehicles may require mechanics trained for that specific model.
  3. Higher Theft Risk: Some imported cars attract thieves more than standard models.
  4. Limited Availability: Fewer cars of the same make and model can affect insurance premiums.
  5. Value of the Car: Imported cars are often rare or premium models, increasing the insurance cost.
  6. Compliance and Documentation: Extra paperwork or checks, like MOT or customs clearance, may influence insurers.
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Impact On Car Insurance Costs

The type of car you import directly influences your Import Car Insurance costs. Factors like origin, engine size, age, and modifications all play a role in how much you pay.
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1. Vehicle Origin Matters

Cars imported from outside the country often cost more to insure. Insurers consider spare parts availability, repair costs, and how common the model is locally. Japanese and American imports usually attract higher premiums.
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2. Engine Size and Performance

Higher engine capacity and faster cars usually mean higher insurance costs. Sports cars and high-performance imports are considered higher risk for accidents and theft. Insurers adjust premiums based on the car’s speed and power.
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3. Age of the Car

Older imported cars may be cheaper to insure, but rare classics can increase premiums. Insurers weigh repair costs, parts scarcity, and potential depreciation when setting rates for imported vehicles.
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4. Left-Hand Drive vs Right-Hand Drive

LH drivers can be costlier to insure. They are less common, and repair parts may be harder to source. This increases risk in the eyes of insurers.
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5. Car Value and Replacement Costs

Expensive imports have higher premiums because repair and replacement costs are high. Luxury or rare models attract additional coverage costs. Insurance reflects the financial risk of replacing the vehicle.
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6. Modifications and Custom Features

Imported cars with custom features, body kits, or engine upgrades can see higher premiums. Insurers consider modifications as increasing accident or theft risk. Always declare modifications to avoid claim issues.

Temporary Car Insurance For Imported Cars

If you’ve just imported a car, getting temporary insurance can be a smart choice. It covers your vehicle for short periods, usually from one day up to 28 days. This type of policy is ideal if you need to drive your car while arranging long-term coverage.

Temporary insurance is flexible and can be purchased online quickly. Many providers offer instant quotes, so you can get coverage the same day. It’s perfect for test drives, MOT trips, or moving your imported car to a new location.

Temporary insurance is convenient and legal. It lets you drive your imported car immediately without committing to a full annual policy. Always compare providers to get the best price and coverage for your situation.

What Does Import Car Insurance Cover?

1

Third-Party Injuries And Damage

Covers injuries or damage you cause to other people, their vehicles, or property. This is a legal requirement for all cars on roads and ensures you are protected financially in accidents.

2

Driving Abroad

Extends your third-party coverage for trips outside the country, usually up to 90 days. It lets you drive in European countries without buying separate insurance.

3

Fire Damage

Protects your car if it’s damaged or destroyed by fire, including accidental fires. This can cover repairs or, in worst cases, replacement costs.

4

Theft

Offers coverage if your car is lost or harmed during a theft attempt, with most plans also protecting against vandalism and unauthorized entry.

5

Damage to Your Car

Pays for repairs to your car if you cause an accident or damage it yourself. It ensures your imported vehicle can be fixed without costing you a fortune.

6

Windscreen Repair/Replacement

Covers repair or replacement of cracked or chipped windscreens and windows. Some policies also include replacement for other glass parts, like mirrors.

7

Injuries To You Or Your Passengers

Helps cover medical costs if you or your passengers are injured in an accident. It can include hospital bills, therapy, or compensation claims.

8

Legal Expenses

Supports claims for uninsured losses, such as personal injury, when an accident isn’t your fault. It can also cover court fees or legal advice costs.

9

Damaged Belongings

Covers replacement or repair of personal items stolen or damaged inside your car. This could include luggage, gadgets, or shopping items.

10

Replacement Vehicle Hire

Pays for a temporary replacement car if your imported vehicle is being repaired or replaced. This keeps you on the road without disrupting daily plans.

Insuring A Left-Hand Drive Vehicle

Bringing a left-hand drive (LHD) car into the country can be exciting. But getting insurance for it is a key step. Motor insurers treat LHD cars differently because they aren’t as common here. This can affect premiums and coverage options.

Here are important points to know:

  • LHD cars often cost more to insure due to higher perceived risk.
  • Some insurers may require the car to pass a roadworthiness test.
  • You must provide full import documentation to qualify for insurance.
  • Policies can vary: comprehensive cover is usually preferred for imported vehicles.
  • Motor insurers may ask about how often you plan to drive the car.
  • Temporary insurance is available if you’re testing or registering the vehicle.
  • Certain LHD cars may be restricted to specific regions or mileage limits.

Get Cheap Imported Car Insurance

Import car insurance can be pricey, but there are simple ways to lower your premium without compromising coverage.

Compare Multiple Insurance Providers

Check quotes from several motor insurers before buying. Different companies offer varying rates for imported cars. Comparing helps you find the best price without compromising coverage. Use online comparison tools for faster results.

OPT a Higher Deductible Amount

This is beneficial to lower your premium. Make sure you can comfortably pay the excess if you make a claim. This method works well for low-risk drivers in the area.

Limit Annual Mileage

Lowering your yearly mileage can reduce costs. Insurers see low-mileage drivers as less risky. Track your driving realistically and report it accurately to get a fair premium.

Consider Security Measures

Fitting approved alarms, immobilisers, or trackers can cut premiums. Car insurers reward cars with strong security. It also reduces theft risk for imported vehicles.

Maintain a Clean Driving Record

A spotless driving history helps reduce insurance costs. Avoid claims and traffic violations to keep premiums low. Insurers heavily factor in driving history for imported cars.

Choose Comprehensive Cover Wisely

Sometimes, comprehensive Import Car Insurance costs less than third-party policies. Compare coverage options carefully. Pick what suits your car’s value and your driving habits.

Park Your Car Safely

Parking in a garage or secure driveway reduces the chance of theft or damage. Insurers in the country consider safe parking when calculating premiums. This tip works especially well for imported cars.

Frequently Asked Questions

What Is The Process For Bringing A Car Into The Country?

To import a car, you must first register it with the DVLA. You’ll need to provide proof of ownership, pay any import duty and VAT, and ensure the car meets safety and emissions standards. Booking a vehicle inspection may also be required before registration is completed.

Do Left-Hand Drive Vehicles Require Special Insurance

Yes, left-hand drive (LHD) cars often need specialist Import Car Insurance. Insurers may treat them as higher risk due to handling differences on roads. You should inform your insurer that your vehicle is LHD to get accurate coverage. Some policies may have restrictions or higher premiums, so comparing quotes is essential.

How Much Tax And Import Duty Will I Owe When Bringing A Vehicle?

Import duty is usually 10% for non-EU vehicles, while VAT is 20% of the car’s value plus shipping costs. Classic or older cars may have different rates. Fees can vary depending on whether the car is new or used, so checking HMRC guidance before importing is important.

Are Insurance Costs Higher For Japanese-Imported Cars?

Insurance for Japanese imports can be more expensive in the area. Factors include parts availability, repair costs, and rarity. Insurers often see imported Japanese cars as higher risk. You can reduce costs by maintaining a clean driving record and using a UK-registered garage for servicing.

Does Insurance For Cars Imported From The United States Cost More?

Yes, US-imported cars often carry higher premiums. Reasons include parts availability, repair complexity, and modifications needed to meet standards. Specialist insurers usually handle these vehicles, so it’s important to compare quotes and discuss your car’s details to get the best possible coverage.

Is Short-Term Insurance Available For Imported Vehicles?

Yes, temporary or short-term insurance is available for imported cars in the area. These policies typically cover 1 day to 12 months. They’re useful for testing a car or covering it while waiting for full registration. Always check that the insurer accepts imported vehicles under their short-term policies.

I’m Planning To Bring A Vehicle. What Key Steps Should I Be Aware Of?

Before importing, check if your car meets standards. Arrange shipping, pay VAT and import duty, and prepare all documentation. Book a DVLA inspection and arrange insurance in advance. Also, research any modifications required to comply with country road laws, such as lighting or emissions adjustments.

What Important Factors Should I Think About Before Importing A Car?

Consider total costs including shipping, duty, VAT, and insurance. Check the availability of spare parts and servicing options in the area. Think about vehicle compliance with safety and emissions standards. Also, research how easy it is to sell the car later and whether insurance premiums will remain affordable.

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