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Spainish licence holder- Insuring UK registered vehicle in U

Spainish licence holder- Insuring UK registered vehicle in U

Postby jimmi » Thu Apr 11, 2019 9:08 am

Hi All,

My wife and I are Spainish residents and are just about to apply for our Spainish drivers license. We plan to spend around eight months per year in Spain returning to the UK for work purposes for the remaining four months, in the UK we each own a vehicle to get to and from work. Can we expect to see a significant increase in our UK vehicle insurance premiums due to being Spainish licence holders?

Many thanks

Jim
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Re: Spainish licence holder- Insuring UK registered vehicle

Postby PeteKnight » Thu Apr 11, 2019 9:56 am

I would have thought that it would be more about the fact that you’re Spanish residents that would bump-up the insurance, rather than what type of licence you hold.

Pete.
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Re: Spainish licence holder- Insuring UK registered vehicle

Postby marcliff » Thu Apr 11, 2019 11:33 am

Not really. I don't think they even ask the question about what type of licence you hold, do they?
It doesn't make any difference here in Spain and my insurance certainly didn't got down when I changed from a UK licence to a Spanish one.
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Re: Spainish licence holder- Insuring UK registered vehicle

Postby Shiva » Thu Apr 11, 2019 11:48 am

I'd be interested to hear how you get on, I have a similar issue, keeping UK car, garaged at UK address, for use when I am back in UK, mainly working. Have gathered that country of residence ( the 6 month residence rule) can be an issue for some insurers. Not the licence, but the residence . Haven't hit the 6 month in one year yet which seems to be the tipping point for being classed as non resident in UK so exploring options for all relevant insurances for when that happens. Have found these folk online who seem to specialise in this kind of situation but haven't tried them yet. https://www.keithmichaels.co.uk/special ... ance-faq/# Would be great to hear on forum if anyone else has experience of ongoing insurance for UK property etc ( car, house etc) once you are classed as non resident...
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Re: Spainish licence holder- Insuring UK registered vehicle

Postby jimmi » Thu Apr 11, 2019 12:00 pm

Thanks all for your comments. Shiva, thanks for the link will definitely be exploring.

Cheers
Jim
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Re: Spainish licence holder- Insuring UK registered vehicle

Postby Mike and Trish » Fri Apr 12, 2019 6:42 am

Hi

Does your Spanish Insurance not cover you to drive in EU (While we are still in it)
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Re: Spainish licence holder- Insuring UK registered vehicle

Postby A.N.Other » Fri Apr 12, 2019 1:44 pm

Firstly you cannot drive a UK regged car in UK on Spanish insurance, cover has to be with a member of the UK's Motor Insurance Bureau (MIB) which no Spanish insurer is. Do not believe any Spanish insurer who tells you otherwise!

Secondly UK car insurance is pretty much universally predicated on UK residency and telling an insurance company fibs can result in extremely dire consequences.

If using a broker such as the one suggested do read the small print VERY carefully!
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Re: Spainish licence holder- Insuring UK registered vehicle

Postby jpeg » Fri Apr 12, 2019 1:51 pm

To A.N.Other As an Insurance agent, I can tell you that there are many Spanish insurance companies Registered in the UK and are perfectly legal
You seem to have a problem checking your information I would suggest you do it a bit more thoroughly before you post false information Also Lloyds of London underwrite a lot of policies offered by brokers in Spain (I use them myself ) and they are legal on a UK registered car in all of the EU including UK

https://www.mib.org.uk/about-mib/mib-membership/list-of-members/?search=L
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Re: Spainish licence holder- Insuring UK registered vehicle

Postby Shiva » Fri Apr 12, 2019 2:05 pm

Jpeg , if you are an insurance agent, can you give any advice on the situation for people resident in Spain but needing insurance for houses and cars in the UK ?
Is it true that most UK insurers will only insure you if you are UK resident? What are the options?

Re A.N. Other's point " If using a broker such as the one suggested do read the small print VERY carefully!", I'd say read ANY insurance policy small print very carefully or any broker small print carefully...
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Re: Spainish licence holder- Insuring UK registered vehicle

Postby jpeg » Fri Apr 12, 2019 2:15 pm

Keith Michaels ( link above ) will cover what you requested also https://www.insuranceforholidayhomes.co ... BhEALw_wcB


https://www.adrianflux.co.uk/household/

There are plenty of others
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