Ex-pat car insurance needed - any ideas? - Mike H
Before anyone asks, yes I have googled without any real success.

Just to quickly recap on the problem, I can't insure my car in Austria because it has yet to be imported and given an Austrian registration, and I can't continue with my current insurer because I'm not a UK resident (they are going to cancel my insurance seven days after leaving the UK. Ideally I would like to find a UK insurer who will insure my car on a UK registration but where my place of residency is in an EU country pending re-registration in Austria. I only need it for around 4 weeks while the import formalities are completed. I have followed up the suggestion regarding insuring via the VIN/chassis number in Austria but that's not a flyer.

Any ideas - apart from hiring a car for a few weeks which has already been suggested?
Ex-pat car insurance needed - any ideas? - rtj70
What did the broker's say? You did ring one to ask didn't you?
Ex-pat car insurance needed - any ideas? - Dave N
Why did you tell them you were leaving? You should have done all your stuff, used the european travel part, and then told them. Go back and tell them you've changed your mind and you're not quitting just yet. Worse case scenario, you'll have he minimum 3rd party only insurance.

My policy covers 90 days european travel, long enough to find a suitable european country, decide you like it, buy a place, and sort out all the formalities.
Ex-pat car insurance needed - any ideas? - Armitage Shanks {p}
MH, try Peart Insurance Brokers in Kendal - they are good with oddball circumstances. No connection BTW just a satisfied user years ago. Also NU now AVIVA ,specialised in insuring British Military living abroad - none of us used the German insurers as they were very pricey (Albingia and similar). They might find you something
Ex-pat car insurance needed - any ideas? - Armitage Shanks {p}
MH - I also recall that NU would insure on a VIN number, before the reg plate was issued or even known ie foreign registered car returning permanently to UK but with no DVLA plate. Might not work the other way ie you to Austria but it might be worth researching
Ex-pat car insurance needed - any ideas? - Mike H
Why did you tell them you were leaving?


Because not to have done so would have invalidated my insurance. I could, I suppose, have bent the truth, as I still own my property in the UK but am renting it out having bought a house in Austria. TBH, I had assumed that, as a good low-risk customer it wouldn't be an issue which is why I was honest with them! It's a bit difficult to backtrack now as they will doubtless smell a rat - and despite a blemish-free record of 30 years accident free continental motoring, sod's law would no doubt come into operation!
Ex-pat car insurance needed - any ideas? - Mike H
Of course! My existing brokers won't help, and I've rung a representative sample of others.
Ex-pat car insurance needed - any ideas? - spikeyhead {p}
Try Stuart Collins & Co
01792 655562
Ex-pat car insurance needed - any ideas? - Mike H
Just to complete the loop, I have taken out a policy with Stuart Collins - they offer 12-month extended european cover with AXA for any UK-registered car. Useful to know - and no loading for a 56-year old with a chipped & lowered Saab 9-5 Aero estate!

Edited by Mike H on 30/09/2009 at 22:46

Ex-pat car insurance needed - any ideas? - honestJane

I know this is an old thread but it still comes up in Google searches and unfortunately when I first Googled Stuart Collins and Co there really wasn't any useful information or any useful reviews. Here's my experience of them and hopefully I'll find a more appropriate website for this review later:

I contacted Stuart Collins and Co for a quote and filled in their online form. I was not sent an email copy of the form so I had nothing to refer back to if I wanted to check the data. I received a reply with a quote which was higher than my current premium but expected as it’s a European policy. I received a curt reply when I asked for further information directing me to ‘read it online’ and then no further replies to at least one subsequent email. I printed off the ‘Proposer agreement’, completed it and called to ask for help with some of the questions. The lady was nice and polite but seemed in a hurry to get me off the phone using short one word answers where possible. I signed and scanned the document and emailed it across. I called to check that they had received it and I was told I’d be emailed once they had checked the agreement. That same today (16.06.2014) I received an email from “Jan” which went straight to my junk mail. Previous emails from this company had gone to my inbox. Yet Microsoft had red banners everywhere and I had to physically show the content. A warning message still remains : “Be careful! This sender has failed our fraud detection checks.” In her email, “Jan” stated that the quote had now increased from £676.06 to £852.74 as : “On the original enquiry form, you stated you had your full licence for 11 years. On the proposal form you state you have 3 years full licence.” If the figure had been 33 or anything beginning or ending with 3 or even next to the 3 key, I could accept this could have been a mistake. It is not possible for that to have been a mistake so essentially they were accusing me of lying (this detail becomes relevant later). I replied to point out that I had not entered 11 and requested that they honour their original quote. I also requested evidence of what I had entered because I had never been provided with a copy. “Jan” replied with one word : “Evidence?” (very professional!) and had pasted some form details below. As the form details were in plain text format, this is not true ‘evidence’. Understandably, I requested more concrete evidence such as a screenshot or really any kind of format which cannot have been altered and I also explained that in my previous employment (car insurance!) our online forms often sent incorrect information through because of their poor design, in particular when it came to numbers. I also confirmed that I would be obtaining quotes elsewhere, specifically with Asda as they offer 365 days European cover with no limit on each trip abroad (according to the advisor I spoke with). It seems that once they realised I was not going to give in and pay the additional premium, they decided that their “morals” were too high to provide me with the evidence I had requested and indeed, even to insure me! : “I have spoken to Stuart about this and he has suggested you use another supplier as due to your insinuating that we are telling anything but the truth, we are not prepared to do business with you.” – earlier detail becoming relevant: they had just finished accusing me of not telling the truth! What reputable insurer would ever refuse to provide irrefutable evidence (if possible to) when requested to do so by a customer whom they are attempting to extort an additional premium of £176.68 from? What reputable company would rather lose £676.06 (plus the European breakdown cover I was going to purchase so a total of £861.06) than simply apologise for the misunderstanding and write off the £176.68? I had never heard of them before deciding to go travelling and it took a lengthy Google search for their name to even appear. I don’t think they can afford to be so choosy. The whole experience of Stuart Collins and Co trying to get away with increasing the premium and then backing down in the most ludicrous way possible when they realised I wouldn’t bite is highly suspicious at best. Fortunately, I obtained a cheaper quote with Asda at just over £530 pa which I’m extremely happy with. It comes with a lot of extras that Stuart Collins and Co didn’t offer as a bonus and Asda is a much bigger name in which I place a lot more trust.

Ex-pat car insurance needed - any ideas? - dacouch

Have you double checked the Asda policy covers you for being out of the UK for so long as those types of policies are not normally designed for people away for such a long time.

Could be an expensive lesson to learn

Ex-pat car insurance needed - any ideas? - Mike H

HonestJane, that was not my experience at all - they were perfectly professional and efficient when I dealt with them, and the policy was placed with a reputable company (Axa, IIRC). A number of people on this forum have been pointed in their direction, and I don't recall any other negative feedback.

Perhaps you rubbed them up the wrong way ;-)

Edited by Mike H on 16/06/2014 at 21:06

Ex-pat car insurance needed - any ideas? - Avant

Do please use more paragraphs when posting in future, Honest Jane: I lost the will to live halfway through this. If you want sympathy and/or advice, you need to make it easier for people to read.