Auto Insurance in the UK
Auto Insurance is easy to purchase in the UK, however, please be aware that among other things many UK insurers (including major insurers) will not cover you on MoD property or Military bases, potentially providing you a policy that won’t react if you need it to.
As you are a visitor to the UK, (especially from the EU), visits back home are expected, but many UK insurers will not offer full cover outside the UK! Usually, they’ll offer the lowest level of cover available in your country, and if that’s only 3rd party cover, that’s what you will get.
Forces Solution’s NATO Insurance offers combined physical damage insurance (PD) with local third-party liability protection (TPL), when others often won’t, this includes theft and vandalism cover.
Combined Physical Damage (PD)
Reimbursing you for damage to your own vehicle resulting from a collision or other cause.
Award-winning Customer Support
We have been awarded the Gold Armed Forces Covenant Award for our services to the Armed Forces Community.
Third-party Liability Protection
Protecting you if you're sued (or threatened to be sued) by a third party for a physical injury or damage.
Affordable Rates
Competitively priced premiums with no additional admin fees for changes and flexible payment options.
More Reasons to Use Forces Solutions
We specialise in Comprehensive insurance cover, and as such our NATO Auto Insurance Policy comes packed with useful benefits including Windshield, Personal Injury, Legal and Business Use covers, which are all free of charge. In the UK if you travel to more than one location for work you will need business use.
When it is time for you to leave we will happily cancel your policy, refund any unused insurance (subject to no claims being made) and waive any cancellation fees. We will also provide a certificate of any claim-free driving so you can pass this on to your new insurer.
No Claims Discounts - Up to 65% Off
Coming from outside the UK – There are many NCD systems. We provide a discount based on your driving history rather than earned bonus.
Insurance Backed by Top UK Insurer
Cover available from an A+ rated Lloyds syndicate giving you assurances you have the backing of the highest rated cover available.
Exceptional Coverage
Fully comprehensive cover with market leading benefits and cover not available elsewhere.
Ensuring You are Adequately Protected
Forces Solutions have specially selected a small panel of insurers providing Motor Insurance policies designed to meet your exact requirements. We employ in-house trained staff that have been through an intensive Military Awareness Program with us allowing them to understand your potential needs.
UK Motor Insurance
Serving as a member of HM Forces in the UK
NATO Motor Insurance
For you if you are posted overseas on NATO deployment
Returning to UK following Overseas
For you if you are posted overseas on NATO deployment
Visiting NATO Personnel
For you if you are posted overseas on NATO deployment
What Optional Extras Can You Provide?
Do you have everything you need? Although our cover is tailored to your needs, motor insurance can not protect against everything.
For those of you with specific additional requirements, we have sourced a range of additional products which can supplement your cover. Talk to us to find out more about these covers and if they would benefit you.
Solutions Rescue
Breakdown Cover
Get the reassurance you need when on the road with our Breakdown Cover Plus. You can take your pick from our three levels of cover to suit your budget.
Guaranteed Vehicle Hire
We seek to earn a profit by offering consumers products and services they want. Profit is how the free-enterprise system motivates investment.
Auto Deductible Protection Cover
We seek to earn a profit by offering consumers products and services they want. Profit is how the free-enterprise system motivates investment.
FAQ's
What levels of cover are available?
We specialise in Comprehensive cover as such our NATO Auto Insurance policy comes packed with useful benefits including windshield cover and Personal injury cover. We also include Legal cover free of charge and business use. In the UK if you travel to more than one location for work you need business use. This is covered free of charge.
Will you accept No Claims Bonus earned from my country?
As the UK has its own No Claims Bonus system, we will allow you a special NATO discount which gives a better discount than No Claims bonus based on the number of years you have been driving in your country. Safer drivers can earn get up to 65% discount. This discount is often more rewarding than a maximum bonus of 9 years +.
Can you insure a Non-UK Vehicle?
Yes, we can insure non-UK vehicles which may be LHD we don’t charge extra for Non-UK vehicles, we can even insure using the VIN Number whilst you apply for a UK registration number.
Will I pay more for having a Non-UK Driving Licence?
As NATO Specialists we don’t charge you more as long as you have a valid driving licence, and we can validate it and its either an EU Licence or a driving licence issued from a NATO member state or one in the commonwealth.
How long will my policy last?
Auto Insurance policies in the UK, usually last 12 months.
What happens when my posting is over?
When you leave, we will happily cancel your policy, refund any unused insurance (subject to no claims being made) and even waive any cancellation fees as your going home. We will also provide a certificate of any claim free driving so you can pass this to your new insurer.
Does my choice of car affect the cost of my policy?
In the UK vehicles are categorised into groups ranging from 1-50 based on factors like engine size, power, and the cost of repairs etc, Auto insurance prices increase with each car group.
What is an excess?
Often referred to as a “Deductible” The excess is the amount that you, the policyholder, are responsible for in the event of a claim. The total excess is made up of two parts: voluntary and compulsory. Compulsory excess is the minimum excess set by the insurer and is shown in your policy documents. Voluntary excess is chosen by you and is in addition to your compulsory excess.
Is a courtesy car included in the NATO Auto insurance policy?
Yes, as standard a Courtesy car is provided, please note a Courtesy car can only be provided if your car is being repaired. If the vehicle is deemed a total loss (Write off) or is stolen a courtesy car is not provided. You can purchase Guaranteed Vehicle Hire Insurance starting from just £20.00 we can provide you a hire car for up to 28 days or up to 3 days after you have received settlement from your insurers.
What payment options are available?
Auto insurance can be purchased either by paying in full, this can be done over the phone paying with a credit/debit card or we are happy to provide you with our bank details if you wish to make a bank transfer.
Alternatively, you can elect to pay using our monthly payment plan, where you pay 15% upfront and the remaining balance is spread over 10 months.
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