Insurance for expats in the UK
From car insurance without UK no-claims history to health cover, home protection and travel insurance — find vetted providers built for expats and new arrivals navigating the UK market.
Browse providers ↓Insurance companies for expats & new arrivals
Every provider below has been reviewed by our editorial team before listing.
7 providers listed
Car insurance built for people without a UK no-claims history — including expats, new arrivals and recent licence converters. Marshmallow uses alternative data to price policies fairly, often undercutting traditional insurers for new-to-UK drivers.
FCA-regulated health insurance broker specialising in expat and international PMI. Compares policies from leading UK insurers and helps you find the right level of cover — including options for pre-existing conditions and families relocating to the UK.
Fast, flexible temporary vehicle insurance from 1 hour up to 28 days — useful when you first arrive in the UK, borrow a vehicle, or need cover while switching policies. Get a comprehensive quote in 90 seconds without affecting the owner's no-claims bonus.
Comprehensive single-trip, annual multi-trip and backpacker travel insurance for UK residents and expats — covering medical emergencies, cancellation, baggage and more. Compare policies to find the right level of cover for your travels.
One of the UK's leading specialist insurance brokers — covering motorcycles, modified cars, imported vehicles, classic cars, kit cars and high-performance vehicles. Particularly useful for expats bringing over a non-standard or imported vehicle, or those who can't get a competitive quote from mainstream insurers.
The UK's largest breakdown cover provider, with roadside assistance, recovery, home start and national relay services. Essential for new arrivals who've recently purchased or imported a vehicle — the AA covers all UK-registered vehicles regardless of age, and membership can be set up before you drive.
A customer-led provider of boiler cover, heating protection and home care plans. Hometree offers national coverage with a 24/7 helpline, transparent pricing and comprehensive protection for your heating system — a practical safeguard for expats taking on a UK property and wanting peace of mind against unexpected repair costs.
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Some provider links on this page are affiliate links. If you click through and purchase a policy, Moving to the UK may receive a commission — at no extra cost to you. Our editorial team selects providers independently; affiliate relationships do not influence which providers are listed or how they are described.
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What expats need to know about UK insurance
Insurance in the UK works differently to most other countries, and new arrivals often face higher premiums or outright rejection simply because they lack a UK track record. Understanding the landscape before you arrive can save you significant money and frustration.
Car insurance is one of the biggest hurdles. UK insurers rely heavily on your no-claims discount (NCD) — typically built up over years of claim-free driving. Foreign no-claims history is not always recognised, which places new arrivals in the same pricing bracket as brand-new young drivers. Specialist insurers like Marshmallow have built underwriting models that use alternative data to price risk more fairly for people without a UK history.
Private health insurance gives you access to private hospitals, faster specialist appointments and elective procedures without waiting on NHS lists. For expats used to private systems abroad, PMI provides continuity of care. Policies vary widely in what they cover, so comparing through an FCA-regulated broker is the sensible starting point.
Travel insurance becomes essential once you are UK-resident — your home country's travel protections no longer apply. Annual multi-trip policies are usually the best value if you travel more than twice a year. Temporary vehicle insurance covers you when you borrow a car or need cover while your standard policy is being arranged.
Boiler and home cover is often overlooked by new arrivals, but a boiler breakdown in a UK winter is both common and expensive. Hometree's home care plans provide 24/7 support and cover repair costs — a straightforward way to protect yourself against one of the most disruptive and costly surprises of owning or renting a UK property.
Insurance FAQs for expats
Some UK insurers will accept a letter from your overseas insurer confirming your no-claims history, but acceptance varies widely. Traditional insurers tend to be reluctant; specialist providers like Marshmallow are designed specifically to price policies fairly for people without a UK claims history.
Once you are a UK resident paying the Immigration Health Surcharge (IHS), you have full NHS access. Private health insurance is optional but gives you faster access to specialists, choice of hospital, private rooms and faster diagnosis. It is particularly useful for those used to private healthcare systems abroad or who cannot afford time off work for long NHS waiting times.
Temporary cover is useful in several situations: when you first arrive and need to drive before your annual policy is arranged, when borrowing a friend or family member's vehicle, when test-driving a car before purchase, or when your vehicle is being repaired and you need a temporary replacement. TempCover provides instant comprehensive cover from 1 hour up to 28 days without affecting the vehicle owner's no-claims bonus.
The Global Health Insurance Card (GHIC) gives UK residents access to state healthcare in EU countries at the same cost as local residents — but it is not a substitute for travel insurance. It does not cover private treatment, repatriation, trip cancellation, lost luggage or medical costs outside the EU. A dedicated travel insurance policy covers all of these.
If you are renting, your landlord is legally responsible for maintaining the boiler and heating system — so boiler cover is their obligation, not yours. However, if you own your property or have a long-term lease with maintenance responsibilities, a home cover plan like Hometree's is a sensible investment. Boiler repairs in the UK typically cost £300–£500, and a full replacement can run to £2,000 or more. Monthly cover starts from around £8 and includes 24/7 call-out.
Yes. Insurance brokers and intermediaries operating in the UK must be authorised by the Financial Conduct Authority (FCA). You can verify any firm's FCA status on the FCA Register at register.fca.org.uk. FCA-regulated brokers are legally required to act in your best interest, disclose their fees and commissions, and handle complaints through the Financial Ombudsman Service.
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