Expat Returning to the UK

We understand finding fair insurance after returning home to the UK is challenging. We can accept international NCB to arrange you a competitive policy, and your lack of recent UK driving experience is not a problem to us.
Expat Returning to the UK Header Image

Our team are here to help

92% of our customers get a cheaper quote over the phone

92% of our customers get a cheaper quote over the phone


Returning Expat Insurance from Keith Michaels

Expat Returning to the UK

Returning home to the UK after living abroad often involves many complex procedures. Luckily, with Keith Michaels, your car insurance doesn’t have to be one of them. We have years of experience providing fair motor insurance for expatriate individuals.

Many expatriates returning to the UK have difficulties finding an insurance provider that accepts foreign no claims bonus (NCB). At Keith Michaels, we do not discriminate against the nationality of your NCB. We’ll transfer your international NCB (which must be translated to English) into UK NCB so you can get the no-claims discount you’ve earned.

Arranging UK car insurance while living abroad

If you know when you will be returning to the UK and would like to arrange cover in plenty of time, get in touch with the team here at Keith Michaels. We can help find the best car insurance for you, taking into account your NCB.

Adding foreign drivers to UK car insurance

Expats returning to the UK with another foreign resident may wish to insure them by adding them as a named driver to their UK car insurance policy. Talk to the experts at Keith Michaels to find out your options for temporarily insuring foreign drivers.

Why arrange insurance with Keith Michaels?

We strongly believe in providing the best car insurance policies at fair prices. Our process is fast and efficient to ensure your policy is ready for when you need it. When you return to the UK, for whatever reason, you won’t want any hassle. This is why insuring your car with us is the best option.

We make sure, when returning to the UK, your car insurance premium reflects your personal driving circumstances. This is why we urge you to give us a call today, so we can offer you a bespoke, comprehensive car insurance policy for the best price (one that doesn’t neglect your international NCB).

Our team of international insurance specialists are experts in expat car insurance, so talk to one of our leading expat insurance agents today.

or call us on 0208 329 1150

You can also email one of our expat brokers if you’re overseas: [email protected]

The Keith Michaels Difference

  • 30 years’ experience
  • Every customer is treated as an individual, not a policy number
  • We are a UK-based office, not a call centre
  • We are completely independent from any insurance company
  • All policies are looked at on their own merits to find you the best policy available

Why Choose Keith Michaels?

Expat Returning to the UK

Direct Contacts

Jason Robery
0208 329 1168

Gary Hamilton
0208 329 1165

Expat Returning to the UK

Scheme Details

We have specific insurance schemes designed exclusively for Expat Returnees from abroad.

Expat Returning to the UK


  • Foreign NCB acepted, but must be in English
  • Policies available to non-resident clients
  • Previous driving discounts
Expat Returning to the UK


  • Priority claims management
  • Policies are available to returning expats
  • Staff have over 10 years’ expat experience
Expat Returning to the UK

Get in Touch for your Returning Expat Car Insurance Quote Today

Returning Expat & Car Insurance FAQs

Do you offer any advice for returning expats?

Repatriating to the UK can often be a complicated process for British expats. To make it a little bit easier, we’ve compiled a simple check list that will help relieve some of the stresses you’ll face.

Download your Free, Printable Returning to the UK Checklist

Can I insure my UK car to drive in Europe as an expat?

Most insurance providers in the UK stipulate that drivers must have a UK residential address in order to be insured. At Keith Michaels, however, we can provide insurance for up to 180 days in Europe, as long as you have a permanent address in Europe. Discover more about our European Car Insurance.

What else do I need to know as an expat looking for car insurance?

When planning to move abroad, or moving back to the UK after expatriation, there are all sorts of admin-related questions you’re likely to have. Get your questions answered about all things car insurance with our expat car insurance FAQs.

How is my NCB affected by my living abroad?

While expatriated from the UK, if you have been driving abroad with insurance, at Keith Michaels we can take into account any foreign NCB you have accumulated. If you have not been driving abroad, your UK-gained NCB is still accepted as long as there has not been a break from driving of more than two years.

Should I keep my UK-based car insured while I am living abroad?

It is a good idea to keep you car at home insured while you are expatriated, because it could still be at risk of damage, fire, or thefts. Plus this means if you have any unexpected trips home to make, your car will be ready for you to drive without a second thought. Find out about non-UK resident car insurance from Keith Michaels.

Do I need a UK address to arrange car insurance for when I return to the UK?

In the UK, policy providers require drivers to have a UK residential address in order to be insured. If you are an expat returning to the UK who does not yet have a residential address, get in touch with our team at Keith Michaels to find out more about your options.