Think about what you plan to take with you, what you need to ship and what coverage you need to help protect your stuff.
Get covered before you move in 3 easy steps.
Steps to complete Get covered before you move in 3 easy steps.
Need to transfer an existing USAA policy?
We can get you a policy that helps protect you in the U.K. We’ll make sure you don’t lose your coverage when you need it most.
Call the policy service number for your location to get started.
Get tips on safe driving in the U.K. to protect you and your car.
Driving in the UK
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Driving in the UK has its own set of rules and customs that may be unfamiliar to American drivers. Here are six key things you should know before hitting the roads across the pond.
- Left-Hand Driving:
Vehicles in the UK drive on the left side of the road. This can be confusing at first, especially when you make turns or merge. Pay close attention to road signs and markings. Always use your turn signals and yield to pedestrians in crosswalks. Vehicles also have their steering wheel on the right side of the car. - Roundabouts or Traffic Circles:
As you enter a roundabout, give the right of way to oncoming traffic. For a multi-lane roundabout, the inside lane always has the right of way and is for vehicles not exiting yet. Use the outer lane when you exit the roundabout. Make sure to stay in the correct lane and use your turn signals. - The Metric System and Speed Limits
You’ll find that speed limits in the UK are measured in miles per hour instead of kilometers per hour. Speedometers will display mph, but they’ll sometimes show both mph and kph. - Narrow Roads and Parking
A lot of roads in the UK are narrower than ones in the US, especially in rural and historic towns. Be careful when trying to pass other cars on these roads. Always check the signage while parking to avoid fines and towing. - Emergency Equipment
It’s a good idea to carry emergency supplies with you when you travel. You should keep a first aid kit, some safety triangles and a fire extinguisher in your vehicle, just in case. A spare tire and jack, blankets, food, and water are also good to have. These will be great to have if your vehicle breaks down in a rural or remote area. - What to Do in an Accident
If you get in accident, make sure you and your occupants are safe before doing anything else. If there are any injuries, call 999. If possible, get your car off the road. Use your hazard lights, safety triangles or traffic cones to alert oncoming traffic. It’s also a good idea to take photos of the scene, make notes of what happened and get a copy of the police report.
These tips can help you know what to be aware of and the best way to stay safe while driving. No matter where you’re driving, always drive defensively, stay alert and respect the rules of the road.
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U.K. overseas insurance FAQ
Proof of insurance
We'll email you a Certificate of Insurance as your proof of insurance for the term of the policy. You’ll get a renewal every year the policy stays active.
License plates
Most license plates in the U.K. are local civilian plates that stay on the vehicle and transfer to the new owner when they buy the car. If you buy a new vehicle, the car dealer provides license plates.
If you import your vehicle, you can get new license plates through:
- A U.S. military motor vehicle registration office.
- A U.S. Embassy.
- A U.S. Consulate.
Report your U.K. license plate number on usaa.com or the mobile app or call us as soon as you have it. Failure to do so could result in a fine and seizure of your vehicle.
Yes. The U.K. charges Insurance Premium Tax on most policies in the country. Check your declarations documents for details.
Your auto coverage
If you’re shipping your car, keep your overseas policy until it arrives. Then we can help you transfer your coverage to a stateside policy. You just need to contact us.
If you’re not taking your car, remove your name from the registration and your insurance papers from the car. After that, you can cancel the policy. You’ll need to pay a premium for any coverage you’ve received.
Your renters coverage
Keep your overseas policy while your stuff is in shipment. That way you still have protection for any covered losses on the way.
When you and your stuff are back in the U.S., we can help transfer your policy. When you’re ready, contact us.
Before you drive
- Most countries will require you to complete an accident report form. In your vehicle, you should carry a blank copy of the European Accident Statement.
- Many countries require you to have warning triangles, reflective vests and a first-aid kit in case of an accident. Check local driving regulations to find out more.
At the scene of the accident
- Dial 999 for emergency service in the U.K.
- Don't sign anything except the European Accident Statement. This lets each driver explain what happened but doesn't assign blame.
- Take pictures of the accident scene and damaged vehicles, including license plates. If possible, get the other driver's name, address and phone number.
- In a one-car incident, find the owner of any damaged property to complete a report. If you can’t find them, leave a note at the scene and be sure to report it at the nearest police station.
Filing a claim after an accident
You can file a claim on the USAA Mobile App. Or you can file online. As soon as possible, contact a USAA claims representative.