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Imported cars can be more challenging to insure as they have, in many cases, been built to a specification which meets the regulations in their origin country rather than the UK. Cars imported are normally classified as either a grey or parallel import - and as such there are fewer car insurers willing to offer cover.
A grey import is the term used for cars built outside the EU - perhaps in Japan, Korea, the US or Canada. In some cases cars or vans may have been built to higher specifications, making them more expensive to replace if they were stolen, or lower standards lowering the safety record of the vehicle. In any event it is potentially going to be more expensive to repair the car as parts, specifications and expertise may be more difficult to source.
A parallel import is a car bought elsewhere in the EU, meaning it has the same core safety standards as a UK vehicle. But although any car sold anywhere in Europe (or at least within the EU) will meet similar emissions or passenger protection standards, there may be other differences - maybe in the trim, meaning that once again sourcing parts is trickier and more expensive, and this in turn can impact on the cost of insurance.
Without doubt though you can keep your imported car insurance costs down by asking for a range of quotations from companies who specialise in this form of car insurance.
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This content was last reviewed on 18/10/2021