Finding Insurance coming back from a posting to Cyprus can be challenging.
You will need to find an Insurer who is able to allow you to register your vehicle using a Chassis (VIN) number whilst you export your vehicle back to the UK. Our Military Motor Insurance policy will allow you register your car using the chassis number whilst the DVLA allocate you a registration number.
The Forces Solutions Motor Insurance will also be able to accept any No Claims bonus earnt in Cyprus.
Returning to the UK from Cyprus
One of the most important things Service personnel will need to consider when planning their return to the UK is the re-registration and getting the right insurance for their motor car (or motorcycle).
Making the right decisions
One of the reasons for this is so that your No Claims Discount doesn’t become an issue when you need UK cover. Foreign No Claims Discount (even that earned with a familiar name in Cyprus) is frequently unacceptable to UK insurance companies.
The problem with foreign No Claims Discount
Most ‘On-line’ insurers (including ‘Price Comparison’ sites) won’t allow it. And, even if they do the actual insurance company you sign up with will often refuse it down the line. They may request you to pay their full price without allowing any discount whatsoever – which could be a hefty additional sum if you were expecting a 60%+ discount.
If you decide not to accept that decision and go elsewhere, the insurer will cancel your policy and charge you for the time you have been on risk – but once again this will be calculated using the higher premium without any deduction for your foreign No Claims Discount. So it is vital that you get it properly agreed from the outset.
The refusal by British firms to accept foreign No Claims Bonus is quite widespread with BIBA (British Insurance Brokers Association) estimating that only 1 in 6 firms would accept it. Even then those firms that do accept insist that the proof is printed in the English language, from a recognisable insurer and must state the number of years earned – not just the percentage.
Registering your car
Whichever Insurer you choose you should de-register from the Cyprus system and re-register on the UK plate as soon as you can. Tell your UK insurer the UK registration number of your vehicle as soon as you know it.
If your insurance documents have been issued showing your chassis number (instead of the Registration Number) you can continue to use the document until it expires (the next Renewal Date) when the Certificate of Motor Insurance will be replaced with one showing your UK registration number as and when you renew the policy.
But don’t forget to tell your Insurer the UK Registration Number so that they can update the Motor Insurance Database (MID). The MID allows the police to check that the vehicle is insured and who is entitled to drive it. So it is important that your details are updated. You can check that your vehicle is on the MID on line at www.AskMID.com.
Your return to the UK is also a good opportunity to tell the DVLA your new address as insurance companies will look to access this information in the future to ascertain whether you have any motoring convictions etc. You can check the details held by the DVLA on line at www.MyLicence.com
Getting the right insurance for the UK
The British insurance landscape has changed dramatically over the last few years with insurance companies needing to increase their premiums significantly to pay for the huge losses they have encountered.
Television advertising has also seen a massive marketing of Price Comparison sites which allowed proposers to search a number of different insurance offerings. However, these firms only compare prices and not the quality of cover provided and frequently they can only offer low cost prices by sacrificing valuable cover. Even for civilians this could be dangerous with the stripped out cover potentially leaving motorists out of pocket when an accident or theft occurs.
HM Forces personnel (and associated civilians) have additional problems to cope with as many insurers impose restrictions that could have serious implications. Airside exclusions and military base exclusions are often features of some policies meaning that motorists may not even be covered just going to and from work.
In Safe Hands
Forces Solutions Limited will honour any No Claims Discount you have earned in Cyprus. They may also be able to provide some special solutions regarding your No Claims Discount, which simply would be unheard of with conventional civilian type insurance back in the UK.
One such innovation is a Driving Experience Discount. This works in much the same way as a No Claims Discount but rewards the policyholder when a conventional No Claims Discount cannot be used perhaps due to Deployment or where there are 2 cars in the family.
Their policies also cover other useful features:
- On Base & Airside Cover
- Free Business Use
- Laid Up cover
If you are being deployed to Cyprus and require Cypriot Insurance, we can introduce to some local suppliers who will be able to cater for your requirements.