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American & Import Cars Insurance

Take advantage of a simple American and import car insurance solution when importing your vehicle over to the UK.

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Why choose Howden for American and import car insurance?

As a specialist motor insurance broker, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of standard and specialist insurers, we make the process of comparing multiple vehicle insurance policies, on your behalf, simple and easy. What’s not to like?

Here at Howden, we also know that each policy needs to be as individual as its owner and their vehicle, and that’s why we provide a tailored, personalised service, focused on getting to know you and finding out exactly what you want from your American and import car insurance.

Whether you need to make a claim, purchase a new motor policy, or renew an existing one, just know that we’re here to help.

Benefits of working with us:

  • You can trust us – we’re rated Excellent on Trustpilot.
  • We’re driven to save you time, money, and hassle.
  • Benefit from a tailored service that comparison sites can’t provide.
  • Speak with your local branch, within your community.
  • We’re right by your side in the event of a claim.

How does American and import car insurance work?

Any car used on UK public roads needs to be insured, and there aren’t any exceptions for imported cars either. With imported cars as well, whether they’re American, European or brought in from anywhere else in the world, it’s often trickier to find the right insurance for these cars compared to finding insurance for cars built in the UK.

This is because there are fewer insurance providers which provide insurance for imported cars, especially as many cannot cover left-hand driver cars. The insurers that do offer import car insurance may also have age limits and driving experience expectations too.

However, this is where we can help. Our knowledge of these vehicles ensures we can present a more accurate picture of the risks to our specially selected insurance panel - and that usually means a better deal for you. The insurers we work with generally include the following in their policies:

  • Limited mileage discounts
  • Agreed value
  • Track day Cover
  • UK & European Breakdown
  • Cover Club member discounts
  • Multi-vehicle & much more...

To help find the right policy for you, we take your needs and driving experience into consideration, and recommend an insurance policy to fit your individual requirements. All you need to do to get started is get in touch or visit us in one of our many Howden UK branches!

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Rated Excellent on Trustpilot

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500,000+ Protected Clients

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Insuring for 30+ years

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Insurance Broker of the decade

Luke Mason

Hear from our insurance expert...

What’s one thing I could do to decrease the cost of my American car insurance premium?

"Keeping specialist cars garaged is always a plus for insurers in the specialist market, but making sure you’re accurately estimating your mileage is also important. Are you really going to be doing nearly 200 miles a week in a gas-guzzler? It’s often a lot less as most American car owners use them in an enthusiast nature visiting shows, hibernating them for winter and using only at weekends for the rest of the year as they have a more economical daily commuter. The more accurate your usage is, the more accurate your quote will be and save you from paying for miles you are never going to use."

Luke Mason, American car insurance expert.

Import car insurance FAQs

Can I get insurance for an American import car?

Yes, you can arrange insurance for an American import car, although the process can be a little different from insuring a standard UK vehicle. Imported cars sometimes need specialist consideration because of their unique specifications or parts.

As a broker, we can speak with our panel of insurers to look for options that suit your vehicle and how you plan to use it. This helps you find cover that reflects the specific nature of your import.

Do imported cars cost more to insure?

Imported cars can cost more to insure because they may have higher repair costs or require specialist parts. Insurers may also consider how rare or high‑spec the vehicle is, which can influence the price you pay.

It's always worth discussing your car with an advisor so we can explore policies that fit both your needs and budget. Every vehicle is different, so the cost will depend on its features and how it's used.

How does import car insurance differ from standard car insurance?

Import car insurance is designed to reflect the unique characteristics of vehicles that were not originally built for the UK market.

These cars may have different specifications or require specialist repairs, so insurers may assess them differently from standard models. Because of this, the cover you need might be more tailored to ensure your vehicle is properly protected.

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