Vanessa Chance from LV= answers the question:-
Erik Farrell asks:-
I am a US citizen, moving to the UK in September 2012 on a Tier 4 Student Visa for a 2-year course. Because of the length of time I will be resident in the UK, I am planning to buy a motorcycle for use during my time in the UK. I have a US drivers license (have had for approximately 6 years) and a US motorcycle license (have had less than 1 year). I am a 23 year old male.
I know the steps for obtaining a UK license and will be able to do so without issue. Looking online, however, I cannot figure out how to obtain motorcycle (or even car) insurance.
All of the carriers I can find require at that I will have been resident in the UK for at least 3 years at the time of application, which simply is not possible for me. I can find ways to insure a US registered bike in the UK for a short period, but that would require me to buy a bike here and ship it across the Atlantic. Is there a way for a US citizen legally residing in the UK to obtain insurance for a UK-registered motorcycle without 3 years prior residency?
Presuming I can find a carrier, I have a few other questions:
What carriers might offer insurance for someone in my situation?
Since I have never been insured in the UK, do I apply as 'not previously insured', or do I use my insurance history from the US?
Related to the previous question, do I report US traffic offenses? Is my no-claims time transferable? Or is my US driving record irrelevant for the purposes of UK insurance?
It is quite difficult to get any type of motor insurance in the UK without a UK/EU licence and having been a resident here for at least three years.
The best advice is to speak to a specialist motor bike insurer such as Carole Nash to see if they will consider a driver with an international licence.
The alternative is to look at hiring a bike over here where he will be covered under the company’s insurance or to bring his bike over with him under his US insurance.
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