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Discussion Starter · #1 ·
Hi everyone,

I have found on the .gov website that my fiancé can drive for up to 12 months on his Egyptian driving licence. I see that after 185 days he can apply for a provisional licence, so he will be doing that as soon as 185 days have passed (of course pending successful FLR(M) application).

Does anyone have any experience of obtaining car insurance for driving on a foreign licence at all?

Good and bad experiences would be appreciated. Also, once he passes his UK driving test, does this "re-set" the clock on insurance and make it as if he is a brand new driver for insurance purposes?
 

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Getting cover for a reasonable premium is difficult for non-UK licence holders and those with no or limited UK driving experience, as they are criteria for working out the premium based on risk. You should get a quote by phoning (not online) Direct Line or Aviva, but premium is likely to be still high. There are insurance intermediaries that specialise in foreign drivers and those with high risk. Swinton is one.
Yes, you tend to start as new driver when you get UK licence, though some give a 'starter' discount of around 20%.
 

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Discussion Starter · #3 ·
Thank you very much, Joppa.

I will give Direct Line, Aviva and Swinton a call and see what their quotes are. When you say high premium, I was thinking it would be similar to a new driver quote, what do you think? Or is that wishful thinking?!

I'll be happy with anything around the "new driver" mark - even though it is higher than average!
 

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Premiums differ widely depending on age, driving experience, car you drive, where you live, what you do, accident and conviction history etc. So you can't generalise.
 

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Hi...i do not know if the egyptain licence is recoginsed in uk but i think your fiancé need to obtain international licence before he comes to uk.....and he can drive with this licence for one year from the entry date....i had the same situation with my international licence to drive my fiance car....the cost of insurance too high to drive with international licence...it is not less than £ 1000 a year....
 

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Hi everyone,

I have found on the .gov website that my fiancé can drive for up to 12 months on his Egyptian driving licence. I see that after 185 days he can apply for a provisional licence, so he will be doing that as soon as 185 days have passed (of course pending successful FLR(M) application).

Does anyone have any experience of obtaining car insurance for driving on a foreign licence at all?

Good and bad experiences would be appreciated. Also, once he passes his UK driving test, does this "re-set" the clock on insurance and make it as if he is a brand new driver for insurance purposes?
Our situation was quite similar when we moved to the UK in March 2013. I am the UKC and my husband is Indonesian, and we wanted insurance for both of us to drive a 1.2L hatchback.

We shopped around for quotes, as the comparison sites do not cater to unorthodox situations like ours. Bearing in mind that:

- my husband was on an Indonesian licence
- I have Parkinson's Disease, which I of course had to disclose
- neither of us had a no 'No Claims Discount' as our NCDs from Asia were not recognised


and we wanted:

- fully comprehensive insurance with replacement car provision, legal fees coverage, loss of earnings coverage and lost key replacement,

we fully expected hefty premiums. The final quotes however ranged from £430 (Aviva) to £1,400+ (Swinton). We went with Aviva :D (And no - the insurance was not 'reset' once he passed the British driving test/obtained a British driving licence :) )

Hope this helps - and good luck!

teuchter
 

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Discussion Starter · #7 ·
Thank you very much for the response, Teuchter. I have so far received a quote from Swinton of 1400 - that's with me as main driver, British born and resident my whole life with 10+ years on my licence, no endorsements or claims etc and him as named driver. That's on a 2 litre Honda. They had no problem quoting for an Egyptian licence at all and said nothing about an international driving licence, I will query this on my next phone call.

They did say there could be a possible discount of up to 25% by fitting the black box that records mileage and driving habits, so that might take it down a bit if we go with Swinton.

Direct Line refused to quote until he is officially resident with activated visa (in about five/ six weeks) which is fair enough.

I will most definitely be calling Aviva next, which is the final one from Joppa's original observations. Hopefully I will get a great quote like you did!
 

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Thank you very much for the response, Teuchter. I have so far received a quote from Swinton of 1400 - that's with me as main driver, British born and resident my whole life with 10+ years on my licence, no endorsements or claims etc and him as named driver. That's on a 2 litre Honda. They had no problem quoting for an Egyptian licence at all and said nothing about an international driving licence, I will query this on my next phone call.

They did say there could be a possible discount of up to 25% by fitting the black box that records mileage and driving habits, so that might take it down a bit if we go with Swinton.

Direct Line refused to quote until he is officially resident with activated visa (in about five/ six weeks) which is fair enough.

I will most definitely be calling Aviva next, which is the final one from Joppa's original observations. Hopefully I will get a great quote like you did!
One of the other insurance companies (not Aviva or Swinton) did say that their quote would have been cheaper had I been resident/driving in the UK for the immediately preceding nine years...but I hadn't, as I was returning to the UK after 28 years abroad.

In our case, we were both already in the UK when we got the quotes, so the residency/activated visa were not an issue. We were never asked for an international licence, since (as you know from the gov.uk website) it's not required.

PS: I think the fact that we were living in a small (pop. 12,000) town with a low crime rate, and were parking the car off-street, helped keep premiums down!

teuchter
 

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Discussion Starter · #10 ·
Aviva were definitely a good call, Joppa and Teuchter; they were nearly half the price of Swinton at 770 for fully comprehensive - MUCH better.

I did check the .gov website regarding foreign licence requirements but thought it best to check when I was on the phone to Aviva too and they confirmed that Egyptian licence on its own is fine; it actually comes under the "international licence" banner, so no further action required other than holding the licence.

I will check out the link from Joppa and see how that comes out but so far, I am actually very pleased with the 770 fully comp on a 2 litre from Aviva - sure it's 600 more than I pay fully comp on my own, but for someone new to driving in the UK, I think that is a great quote and is fairly priced.

Teuchter, what happened when your partner transferred to UK licence regarding your insurance policy, if you don't mind please?
 

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Aviva were definitely a good call, Joppa and Teuchter; they were nearly half the price of Swinton at 770 for fully comprehensive - MUCH better.

I did check the .gov website regarding foreign licence requirements but thought it best to check when I was on the phone to Aviva too and they confirmed that Egyptian licence on its own is fine; it actually comes under the "international licence" banner, so no further action required other than holding the licence.

I will check out the link from Joppa and see how that comes out but so far, I am actually very pleased with the 770 fully comp on a 2 litre from Aviva - sure it's 600 more than I pay fully comp on my own, but for someone new to driving in the UK, I think that is a great quote and is fairly priced.

Teuchter, what happened when your partner transferred to UK licence regarding your insurance policy, if you don't mind please?
He passed his test/got his GB licence a few weeks before our first year here (and hence the first year's insurance policy) was up. A few days later, we got the renewal notice in from Aviva showing a slight discount on the previous year, since we had made no claims. I called them up to inform them of my partner's new GB licence, and the rep immediately reduced the quoted premium by another 10%. :)

teuchter
 
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