Introduction
Importing a car into the UK can be exciting and rewarding. Enthusiasts look abroad for iconic performance models that were never sold here, families relocate and bring a trusted vehicle with them, and collectors source low-mileage examples from drier climates.
Whatever the reason, an imported car rarely fits neatly into a standard insurance box. Specifications differ, parts supply can be patchy, and registration paperwork is more complex.
Car import insurance is not a different legal product—it is still motor insurance under UK law—but the underwriting and claims process must account for these differences.
Parallel vs Grey Imports
Parallel Imports
Vehicles built for an EU/UK market and bought abroad. They usually meet European type approval and require minimal changes. Pricing and claims handling are similar to UK-market cars.
Grey Imports
Vehicles built for non-EU markets—JDM models, US-spec cars, or other regions—with different emissions, lighting, and safety standards. Often need more documentation and adaptations.
Before the Car Arrives
Successful insurance for imports begins before the ship docks. Key paperwork includes:
- NOVA - Notification of Vehicle Arrivals with HMRC for VAT and duty
- Purchase invoices and foreign registration certificate
- Bill of lading from shipping
- Evidence of relocation if applicable
Many owners arrange transit insurance (marine and road risks) and then a laid-up policy whilst the car awaits inspection or conversion.
Type Approval, IVA and MOT
Whether a car can be registered for UK roads depends on demonstrating compliance with safety and environmental standards:
- Parallel imports typically have EC/UK type approval and may only need minor checks
- Grey imports often require an Individual Vehicle Approval (IVA) inspection
- The MOT is a separate test of roadworthiness, not a substitute for type approval
If the vehicle cannot pass the required approvals, road insurance will be unavailable until issues are resolved, though laid-up cover can still protect it in storage.
Common Adaptations for UK Use
Grey imports often need technical changes for safe UK road use:
- Headlights - beam pattern adjustment for left-hand traffic
- Indicators - must flash amber; rear fog lights must meet UK positioning rules
- Speedometer - should display mph, at least as a secondary scale
- Immobilisers - may be required to meet Thatcham or insurer expectations
- Tyres - must meet load and speed ratings
Valuation Options
Market Value
Works well for models with an active UK market and plenty of comparable sales.
Agreed Value
For rare imports where you and the insurer agree a figure supported by purchase invoices, auction results, and detailed photographs.
Frequently Asked Questions
Is import insurance more expensive?
It can be, depending on parts cost, performance, theft risk and repair networks. Parallel imports are often close to UK-market pricing.
Can I get insured before the car is registered?
Yes, for storage risks under laid-up cover, but full road use generally waits for DVLA registration and legal compliance.
Do I always need IVA?
Not always. EU-spec parallel imports may rely on Mutual Recognition or EU/UK type approval. Many grey imports need IVA.
Will agreed value be available?
Often, yes—especially for rare or collector models. Expect to provide photos, invoices, and independent valuations.
Conclusion
Car import insurance is about aligning cover with the realities of bringing a vehicle from another market into the UK. With the right plan—NOVA completed, compliance tested, headlights and speedo converted, security fitted, and proper valuation—insurers can underwrite the risk fairly and settle claims sensibly.
By choosing a specialist comfortable with your marque, documenting every step, and using interim laid-up or short-term policies at the correct moments, you can enjoy the very car that made importing worthwhile—legally, safely and with confidence in your cover.