mobile domain:mobile.usaa.com
Skip to Content

Moving? We have overseas insurance for the United Kingdom too.

Help protect your car and property abroad.

If you’re PCSing or deploying to the United Kingdom, we can help cover you and your stuff with overseas insurance.

You can customize a policy to fit your needs while you live abroad.

Auto insurance

Stay covered when you’re driving in the U.K. Here’s some of the coverage we offer:

  • Liability coverage for bodily injury and property damage
  • Help with medical payments after a covered accident
  • Comprehensive and collision coverage
  • Uninsured motorists coverage
Learn more about auto insurance

Renters insurance

We can help protect your personal belongings while you’re stationed abroad. Here are some of the things we cover:

  • Damage to military gear and uniforms‍ ‍ See note 1
  • Theft and vandalism
  • Smoke, fire and lightning damage
  • Flood and some other types of water damage
Learn more about renters insurance

Valuable Personal Property Insurance

Protect your valuables from theft and accidental breaks, losses or spills with no deductible. Here are a few of the things we help cover:

  • Jewelry and smartwatches
  • Cameras
  • Musical instruments
  • Guns and bows
Learn more about valuable property insurance

Cover more with Personal Property Plus.

This policy offers protection beyond what a renters policy covers.

Plus, there's no deductible. It can help protect your:

  • Sports equipment.
  • Bikes and e-bikes.
  • Stuff you have with you while deployed.

For more details, call us.

From within the U.S.: 800-531-8722

From within the U.K.: 0800-289-192

Or our European landline: 00-800-531-81110

 

Get covered before you move in 3 easy steps.

Steps to complete Get covered before you move in 3 easy steps.

  1. Find out what you need

    Think about what you plan to take with you, what you need to ship and what coverage you need to help protect your stuff.

  2. Get a quote

    If your move is more than 30 days away, you can get a quote online whether you already have a policy with us or not.

  3. Get covered

    If your move is less than 30 days away, call us to start your coverage and help protect your stuff during shipment.

Need to transfer an existing USAA policy?

We can get you a policy that helps protect you in the U.K. We’ll make sure you don’t lose your coverage when you need it most.

Call the policy service number for your location to get started.

View contact info

Resources to help you plan your move to the U.K.

Moving checklist

Answer a few quick questions to help simplify what you need to do.

Get started with the moving checklist

PCS resource center

Understand all your options to help make your move easier.

Explore PCS resources

PCS budgeting tips

Learn how to avoid common money mistakes and save more.

Get budgeting tips

Our coverage can go with you if you visit the states.

Renters coverage goes worldwide.‍ ‍ See note 2

You don’t lose your renters coverage when you travel. If you’re visiting friends or family back home, we cover the things you take with you.

A UST policy adds affordable driving coverage.

You can add a U.S. Touring, or UST, policy to help provide liability coverage if you rent or borrow a car in the U.S.

Get tips on safe driving in the U.K. to protect you and your car.

Driving in the UK

Video Duration: 2 minutes 41 seconds

What to expect: Elapsed time 0 minutes 0 seconds [00:00]

Driving in the UK has its own set of rules and customs that may be unfamiliar to American drivers. Here are six key things you should know before hitting the roads across the pond.

  1. Left-Hand Driving:
    Vehicles in the UK drive on the left side of the road. This can be confusing at first, especially when you make turns or merge. Pay close attention to road signs and markings. Always use your turn signals and yield to pedestrians in crosswalks. Vehicles also have their steering wheel on the right side of the car.
  2. Roundabouts or Traffic Circles:
    As you enter a roundabout, give the right of way to oncoming traffic. For a multi-lane roundabout, the inside lane always has the right of way and is for vehicles not exiting yet. Use the outer lane when you exit the roundabout. Make sure to stay in the correct lane and use your turn signals.
  3. The Metric System and Speed Limits
    You’ll find that speed limits in the UK are measured in miles per hour instead of kilometers per hour. Speedometers will display mph, but they’ll sometimes show both mph and kph.
  4. Narrow Roads and Parking
    A lot of roads in the UK are narrower than ones in the US, especially in rural and historic towns. Be careful when trying to pass other cars on these roads. Always check the signage while parking to avoid fines and towing.
  5. Emergency Equipment
    It’s a good idea to carry emergency supplies with you when you travel. You should keep a first aid kit, some safety triangles and a fire extinguisher in your vehicle, just in case. A spare tire and jack, blankets, food, and water are also good to have. These will be great to have if your vehicle breaks down in a rural or remote area.
  6. What to Do in an Accident
    If you get in accident, make sure you and your occupants are safe before doing anything else. If there are any injuries, call 999. If possible, get your car off the road. Use your hazard lights, safety triangles or traffic cones to alert oncoming traffic. It’s also a good idea to take photos of the scene, make notes of what happened and get a copy of the police report.

These tips can help you know what to be aware of and the best way to stay safe while driving. No matter where you’re driving, always drive defensively, stay alert and respect the rules of the road.

End: Elapsed time 2 minutes 41 seconds [02:41]

U.K. overseas insurance FAQ

Proof of insurance

We'll email you a Certificate of Insurance as your proof of insurance for the term of the policy. You’ll get a renewal every year the policy stays active.

License plates

Most license plates in the U.K. are local civilian plates that stay on the vehicle and transfer to the new owner when they buy the car. If you buy a new vehicle, the car dealer provides license plates.

If you import your vehicle, you can get new license plates through:

  • A U.S. military motor vehicle registration office.
  • A U.S. Embassy.
  • A U.S. Consulate.

Report your U.K. license plate number on usaa.com or the mobile app or call us as soon as you have it. Failure to do so could result in a fine and seizure of your vehicle.

Yes. The U.K. charges Insurance Premium Tax on most policies in the country. Check your declarations documents for details.

Your auto coverage

If you’re shipping your car, keep your overseas policy until it arrives. Then we can help you transfer your coverage to a stateside policy. You just need to contact us USAA contact us page.

If you’re not taking your car, remove your name from the registration and your insurance papers from the car. After that, you can cancel the policy. You’ll need to pay a premium for any coverage you’ve received.

Your renters coverage

Keep your overseas policy while your stuff is in shipment. That way you still have protection for any covered losses on the way.

When you and your stuff are back in the U.S., we can help transfer your policy. When you’re ready, contact us USAA contact us page.

Before you drive

  • Most countries will require you to complete an accident report form. In your vehicle, you should carry a blank copy of the European Accident Statement.
  • Many countries require you to have warning triangles, reflective vests and a first-aid kit in case of an accident. Check local driving regulations to find out more.

At the scene of the accident

  • Dial 999 for emergency service in the U.K.
  • Don't sign anything except the European Accident Statement. This lets each driver explain what happened but doesn't assign blame.
  • Take pictures of the accident scene and damaged vehicles, including license plates. If possible, get the other driver's name, address and phone number.
  • In a one-car incident, find the owner of any damaged property to complete a report. If you can’t find them, leave a note at the scene and be sure to report it at the nearest police station.

Filing a claim after an accident

You can file a claim on the USAA Mobile App. Or you can file online. As soon as possible, contact a USAA claims representative.

Related footnotes:

  1. No deductible will be applied for a covered loss to your military uniforms or military equipment while you are on active or reserve duty.

  2. Availability of renters insurance to residents of another country is limited to qualified members.

Related footnotes:

  1. Membership eligibility and product restrictions apply and are subject to change.

  2. Property and casualty insurance provided by United Services Automobile Association (USAA), USAA Casualty Insurance Company and USAA General Indemnity Company which are domiciled in Texas and are licensed in all 50 United States and D.C.; Guam, Puerto Rico, and/or the Virgin Islands; USAA S.A. UK Branch, authorized by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation Authority to write coverage in the United Kingdom. USAA S.A. UK Branch Registration Number: England BRO23811, also registered with the Registre du Commerce et des Societes of Luxembourg; or USAA S.A., authorized by the Luxembourg Minister of Finance and supervised by Commissariat aux Assurances to write insurance under the Freedom of Services Directive in Azores, Belgium, France, Germany, Greece, Italy, Netherlands, Portugal and Spain. USAA S.A. Trade and Companies Registration Number: B-224622. Not all products are available to all applicants in all locations. Product availability may vary in some foreign locations due to local laws and restrictions.

6083416