If you are a foreign national, who wants to drive a car in the UK, then your car insurance and other procedures can be a bit complicated. These procedures are applicable, only if you do not hold a driving license in the UK, but you have a driving license of some other country. Thus, if you have a UK driving license, then the car insurance procedures remain essentially the same for you, even though you are a foreign national. For the others, here is an overview of the procedures.
If you are a foreign national, then you must ensure that your car has been properly registered with the UK authorities. Also, the car must have passed the MOT, if it is more than 3 years old. Also, you should have an authorisation from the DVLA (Driver and Vehicle Licensing Agency) for your car.
If you belong to one of the countries from the European Economic Areas, you can continue with the license that you hold in your home country. However, if you belong to some other country, then you can drive without a UK driving license in the UK, only for a period of 12 months. After this, you will need to swap it for a license issued in the UK.
Apart from the above, one of the disadvantages regarding car insurance, if you are a foreign national is that you are likely to be charged higher premiums. However, this does not mean that you settle for any deal that you come across. If you look hard enough, a will surely come across an affordable deal that suits your needs.
Another problem that the foreign driving license holders may encounter is, when they switch over to a UK driving license. You may be charged higher premiums as you have got the UK driving license recently and also, you may lose the entire no-claims bonus that you have accumulated on your previous insurance policy. Thus, the UK car insurance agencies need to make amendments in their policies to accommodate such cases, wherein the driver has recently obtained a UK driving license, although he has been driving in the UK for some period of time.
You must always remember that the laws in the UK regarding car insurance are strict and failure to follow them may lead both to a fine and imprisonment. Hence, you should always ensure that your car insurance policy meets with all the requirements.