Polish Car Insurance
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This is one of the most effective ways to get the best deals on your insurance premium. Since you will be open to the various insurance policies available from various providers, it is important to compare polish vehicle insurance before you commit to one.
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Other ways to ensure you get a cheap insurance quote are listed below.
Polish Car Insurance FAQs
What is polish car insurance?
Polish car insurance in the UK typically refers to car insurance coverage provided to Polish individuals residing in the UK or UK residents who have a car that was originally registered in Poland.
Polish car insurance in the UK typically refers to auto insurance coverage provided to Polish individuals residing in the UK or UK residents who have a car that was originally registered in Poland.
Anyone living in the UK and using a vehicle for more than six months must ensure the vehicle is registered in the UK and meets all local insurance requirements.
The UK insurance market offers various types of car insurance policies, including:
- Third-party only (TPO): This is the minimum level of car insurance required by law in the UK. It covers liability for injury to others (including passengers), damage to third-party property, and liability while towing a caravan or trailer.
- Third-party, fire, and theft (TPFT): This insurance covers everything included in TPO; your vehicle is also insured against fire damage and theft.
- Comprehensive cover: This type of insurance provides the same cover as TPFT but also includes cover for damage to your own vehicle, even if an accident was your fault.
In order to obtain car insurance in the UK, a Polish individual will need a valid UK address, a UK driving license or an international driving permit, and details about the vehicle they want to insure. The exact cost of the insurance will depend on the individual’s driving history, the vehicle’s make and model, and where the vehicle is stored, among other factors.
I’m coming to live in the UK. Can I get car insurance?
Here are the typical requirements:
- Driving License: You can use your foreign license for a certain period of time (for a non-European license, typically up to 12 months). After this, you’ll need to get a UK driving license. If you have a license from the European Economic Area (EEA), you can use this until you’re 70 or for three years after becoming a resident in the UK, whichever is longer.
- Vehicle Registration: If you’re bringing a car from abroad, you will need to register it in the UK, pay any necessary duties or taxes, and ensure it’s up to UK road standards.
- Proof of UK Address: To purchase a car insurance policy, you’ll typically need a valid UK address.
- Insurance Application: When applying for car insurance, you’ll need to provide various details, including the make, model, and age of the car, where it’s stored, how many miles you’ll be driving annually, and your driving history. Note that some UK insurers may not be able to take your foreign driving history into account, which can make insurance premiums more expensive.
Keep in mind that each insurer may have their own specific criteria, so it’s worth shopping around and getting several quotes. Comparing insurance providers can help you find the best deal. Using an insurance comparison website can make this process easier.
Also, remember that driving without insurance is illegal in the UK, so it’s crucial to ensure you have appropriate cover before you start driving.
Can I get car insurance with an international licence?
Yes, in many cases, you can get car insurance in the UK with an international driving license, but there are certain conditions and restrictions.
- Temporary Use: If you’re visiting the UK, you can usually use your international driving license to drive for up to 12 months, and during that period, you can take out temporary car insurance.
- Moving to the UK: If you’re moving to the UK, the rules are different. If your license is from a country in the European Economic Area (EEA) or Switzerland, you can use your license until you turn 70 or for 3 years after becoming a resident (whichever is longer). If your license is from any other country, you can drive in the UK for up to 12 months on your international license. After that, you’ll need to take a UK driving test and get a UK license.
- Car Insurance: Some UK insurance providers will insure drivers with an international driving license, but policies can be more expensive, as insurers may consider these drivers higher risk due to a lack of UK driving history. You’ll also need to provide a valid UK address.
- No Claims Discount: UK insurers often offer discounts for drivers with a history of no claims. If your previous insurer offers a no-claims bonus (also called a no-claims discount), ask them for a letter confirming this. Some UK insurers will honour a no-claims discount from overseas.
I’m bringing my car to the UK. Will I be covered?
If you’re bringing your car to the UK, there are several steps you need to take to ensure you’re properly covered:
- Car Insurance: You’ll need to arrange car insurance that is valid in the UK. Some insurance policies may provide temporary cover for use abroad, but you should check this with your insurer. If your current policy doesn’t provide cover in the UK, you’ll need to take out a new policy with a UK-based insurance provider.
- Vehicle Registration: If you’re planning to stay in the UK for more than six months (or more than 12 months if you’re a student), you’ll need to register your vehicle with the Driver and Vehicle Licensing Agency (DVLA) and pay any applicable taxes.
- Vehicle Standards: Your vehicle must meet UK road standards. This may require modifications if your car was manufactured for use in a country with different road safety requirements.
- MOT Test: If your car is over three years old, it will need to pass an MOT test to prove that it meets road safety and environmental standards.
- Road Tax: You will need to pay road tax (Vehicle Excise Duty), the amount of which depends on the car’s emission levels and other factors.
- Driving License: You can drive in the UK on a foreign license for a certain period (typically up to 12 months for non-European licenses). After this, you will need to exchange your license for a UK one.
Should I change my foreign licence for a UK one?
Whether or not you should exchange your foreign license for a UK one depends on your situation and how long you plan to stay in the UK.
- Temporary Visitors: If you are visiting the UK temporarily (for up to 12 months), you can generally use your foreign driving license.
- Residents with EEA or Swiss Licenses: If you hold a driving license from the European Economic Area (EEA) or Switzerland, you can drive in the UK until you turn 70 or for three years after becoming a resident in the UK, whichever is longer. After this period, you will need to exchange your license for a UK one.
- Residents with Licenses from Other Countries: If you’re from any other country and plan to become a resident in the UK, you can use your foreign license for up to 12 months. After this, you’ll need to exchange your license for a UK one. Some countries have a “license exchange agreement” with the UK, meaning you can simply swap your foreign license for a UK one without having to retake your driving test. Other countries do not have this agreement, and you’ll need to take a driving test in the UK.
Please note that “the UK government defines residency” in this case as having a permanent address in the UK that you’ve lived in for at least 185 days.
ABI – Association of British Insurers – The Association of British Insurers is the leading trade association for insurers and providers of long term savings. … need to contact their insurer for a Green Card which they will need to carry on them if they wish to drive their vehicle in the EU.
BIBA – British Insurance Brokers’ Association – The British Insurance Brokers’ Association (BIBA) is the UK ‘s leading general insurance organisation.
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