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House Exchange or Home Swap Car Insurance

Car Insurance Options for Home Exchanges and House Swaps

Check your car insurance options if you are looking to home swap or home exchange.

Annual Policies allowing Overseas Residents to be Additional Drivers

Academy Car Insurance Overseas Residents Team
  • Policies which allow overseas residents to be added as named drivers
  • Cars, motorbikes, vans and vehicles with up to 8 seats covered
  • Drivers from 17 upwards considered
  • Drivers with licences from any country can be covered.
  • Comprehensive EU cover available

Short Term Car Insurance from 1 to 28 days

Insuredaily Short Term Car Insurance
  • Cover from 1-28 days offered
  • Is in addition to existing car insurance held by owner
  • Cars and vehicles with up to 8 seats covered
  • Drivers from 19 - 75 with 12 months experience
  • Individual policy for each driver required
  • No Comprehensive European Cover offered


Short Term Car Insurance from 1 to 30 days

Day Insure Temporary Car Insurance
  • Policies available from one hour to 30 days
  • Is addition to car owners existing policy
  • More than one person can be covered on one policy
  • Covers most drivers from 18 - 75
  • Additional driver can be added


Also Consider Car Hire

Car Hire can be Cheaper!
  • Check Car Hire isn't cheaper
  • Test your options on the UK's most comprehensive car hire service
  • Drivers from 21 - 75 with 12 months experience


Need to find an car insurance policy to allow home exchangers from abroad to use your car?

We can help if you are looking to lend your car as well as your house to a home exchanger who is visiting from overseas.

However there are a number of factors you will need to take into consideration when deciding the best way to arrange this, as most UK car insurance policies will not allow you to add a non UK resident to your car insurance policy.

If your home swap is for a period of three months or more

The best way here is to ensure your standard car insurance policy will cover your home exchangers when you want to add them to your policy. As most policies will not this is best considered when your car insurance is up for renewal. Otherwise you may be faced with cancelling your existing policy (and paying any cancellation fees) prior to taking ourt a amore flexible policy.

If you would like arrange a quotation for this you can request a quote through us, and we will put you in touch with a car insurance broker who can offer such policies.

Car Insurance if your house exchange is for less than three months

There are short term insurance policies that cover periods of up to 28 days - and they can be renewed at the end of each twenty eight day period but they are more restrictive.

Firstly you home swapper must have a valid driving licence from one of these countries: UK, EU/EEA, Australia, Canada, New Zealand, Singapore, South Africa or Switzerland, and be aged between 18 and 75

  • Or have a valid driving licence from one of these countries: Mauritius, Malaysia, Falkland Islands, Gibraltar,or Singapore and are aged from 19 to 75.

  • Please note that the insurers require a passport number and a European ID cards are not accepted.

The other important thing to note is that policies can only be bought using a debit or credit card owned by the person that the insurance is in the name of, it cannot be purchased by a third party. Some customers have reported that quotes or payment cannot be progressed from outside the UK so you may have to wait until your home swapper is in the UK before purchasing.

Of course you can run a dummy quote on their behalf if you have their details beforehand to get an idea of the cost , but you won't be able to take up a policy.

Short Term Car Insurance for Home Swappers who are not Non UK Residents

Insure Daily

Insure Daily – Provides competitive quotes for licences issued in the UK, EU/EEA and a number of Commonwealth countries.

insuredaily.co.uk AUSTRALIA, CANADA, EEA & EU COUNTRIES, FALKLAND ISLANDS, GIBRALTAR, MALAYSIA, MAURITIUS, NEW ZEALAND, SINGAPORE, SOUTH AFRICA or SWITZERLAND. Policies are available from one day up to 28 days. Cover only applies in Great Britain, Northern Ireland, the Isle of Man and the Channel Islands, and during sea journeys between these places, and cannot be used for trips to Europe.

insuredaily.co.uk ask that visitors from abroad should use the address at which they are staying as their address.

Day Insure

Day Insure – A more restricted list of countries covered - being Australia, New Zealand, South African, Swiss residents as well as UK, EC and EEA policyholders. They will however cover a slightly longer period up to 30 days. They tend to prefer vehicles less than ten years old, particularly when covering non UK residents.

Insurance quotations from Day Insure are provided online only.

Day Insure ask that non UK residents should use their home address when requesting a quote.

None of these options work for your House Exchange

If you are unable to find cover from either of these two insurers do try getting a car hire quotation instead.

House Exchanger wanting to buy their own car whilst here Moving to the UK permanently?

If your home swapper is making a more permanent move to the UK they may be wanting to purchase their own vehicle and get their own insurance - if thats the case have a look at our page covering Car Insurance for those moving to the UK.

Consider Car Hire Instead

Lastly do consider renting a car instead - it might be cheaper! Try our car hire comparison service for great rates, and don't forget - before you pay for expensive excess insurance at the Car Hire station we also offer that cheaper through our Car Hire Excess Insurance comparison service.

This content was last reviewed on 03/06/2020