Hi all, in process of getting my drivers license in the UK. Shocked to know how expensive insurance is here, can someone please explain how it works here? I don’t have a car yet, so how do I go about getting insured and is there a way I can get a lower rate. I have been driving in other countries but my drivers license doesn’t convert here, however, would it count towards lowering the rate? Thank you

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I wouldn’t think so. I think you start with a neutral record as you haven’t had any claims but also you haven’t driven in the UK for long so they know you have a “safe” profile. Therefore brace for likely a high insurance rate. However, if you have no claims over the next years you can expect them to reduce your rate. That’s all I know

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How old are you? This is the single biggest factor of you have no history.

You don’t need to be insured if you don’t have a car?

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