For our cheapest LHD insurance quote call 0800 3698592 freephone!
Left Hand Drive Car Insurance
When you look for a new car, there may be any number of specifications that you have. Cost is definitely one of them. Purchasing a new vehicle abroad can certainly save you some money.
Alternatively, it may be that you already have a car as a result of a stint abroad. Either way, you will find that importation costs are actually rather reasonable. However, you may find that insuring your foreign car is not as affordable or as reasonable if you do not know what to look for. Finding out all about LHD insurance is a great starting point.
LHD insurance, or left hand drive insurance, refers to cover that is readily available for cars that are made outside of the UK. As you may well know, the vast majority of the world drives on the right side of the road as opposed to the UK where we all drive on the left hand side. As such, cars that are designed for European and American roads are diametrically opposed to British cars in almost every single way, including the fact that they are left hand drive. If you have ever driven abroad then you will be well aware of this fact and you will also know that the driving experience differs slightly but if you plan to import your next car from elsewhere then you will find that LHD insurance is a completely separate product from regular car insurance.
LHD insurance is actually a specialist product and one that is not offered by all insurers. This is because a left hand drive vehicle is not considered to be standard in the car industry. Instead, right hand cars are and this reflects the availability of parts, availability of labour and general costs associated with them as a result. Left hand drive cars therefore require specialist insurers or specialist products from mainstream providers at the very least.
Although you may have to look a little harder to find LHD insurance because you are required to disclose its left hand drive status to your insurer, when you do find the right policy you will find that you do not have to pay a fortune to insure it. Some insurers will refuse to cover you and others may put their premiums way out of your affordability range but the best insurers will offer you LHD insurance premiums that are comparable to those you would be offered for the right hand drive alternative.
However, there is one point that you should be aware of before you take our LHD insurance and it involves reading the small print. Make sure that your policy insures your specific car – the make, model and license plate – because if it insures a car that is termed as “similar to” another vehicle then you will find that your insurance may be void when you need it the most. Providing that you find a reputable insurer who is willing to cover your car on an as is basis then you will find that LHD can give you peace of mind and your foreign car the protection it deserves.
View the UK Car Insurance Guide