Jeffrey Wade
Japanese import cars are generally more expensive to insure than UK-registered vehicles, and some insurance companies refuse to insure them. This is because replacement parts for Japanese cars are often more expensive and harder to find, and mechanics experienced in repairing Japanese cars may be more costly. Additionally, some older Japanese car models lack an engine immobilizer, making them more susceptible to theft. However, some Japanese cars may be cheaper to insure if they are a second car on a limited-mileage policy.
| Characteristics | Values |
|---|---|
| Difficulty in obtaining insurance quotes | Some people have reported difficulty in obtaining insurance quotes for Japanese imports, especially when compared to younger drivers. |
| Cost | Insuring an imported car is almost always more expensive than insuring a UK-registered vehicle. However, it may be cheaper to insure if it is a second car on a limited-mileage policy. |
| Replacement parts | Japanese imports have had a troublesome history with replacement parts, as some dealers refuse to order them or require full payment first. Parts for Japanese cars may also be more expensive and difficult to find in the UK. |
| Mechanics | It may be challenging to locate mechanics in the UK who are experienced in repairing Japanese cars, and they may charge higher prices. |
| No claims history | A no-claims history may be advantageous for obtaining insurance, but it is not always a requirement. |
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What You'll Learn
Japanese imports may be more expensive to insure
Another factor influencing insurance costs is the perception of higher risk. Japanese imports may be seen as targets for theft due to the absence of engine immobilizers in older models. This could lead to higher insurance premiums. Moreover, some insurance companies streamline their processes and may consider imports as non-standard risks, resulting in higher pricing. The age of the car can also impact insurance rates, with older vehicles potentially attracting higher premiums.
The process of obtaining insurance quotes for Japanese imports can vary. Some individuals have reported challenges in acquiring quotes, while others have successfully obtained insurance for their Japanese imports through companies like Allianz, AXA, and First Ireland. It is recommended to shop around and compare quotes from different providers to find competitive rates. Additionally, keeping modifications to a minimum can help reduce insurance costs, as modifications can increase premiums.
It is worth noting that some owners of Japanese imports have found their insurance costs to be comparable to, or even lower than, those of EU-made vehicles. The overall condition, mileage, and service history of the imported vehicle can also influence its insurability and associated costs. While Japanese imports may face higher insurance premiums due to the aforementioned factors, it is not a universal rule, and owners can explore various insurance providers and strategies to mitigate potential expenses.
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Specialist insurers can help
Japanese import cars are generally more expensive to insure than UK-registered vehicles. This is due to a variety of factors, including the availability of replacement parts, the age of the car, and the fact that these cars are seen as easy targets for theft due to the lack of an engine immobilizer in earlier models. Additionally, finding mechanics in the UK who are experienced in repairing Japanese cars can be difficult and costly.
However, specialist insurers can help you get the best deal on insurance for your Japanese import car. These specialists are the best way to avoid high insurance costs. As long as the car is on their list of insured vehicles, you shouldn't have any trouble finding insurance. Some companies that offer insurance for Japanese import cars include Advance Insurance, Chill (underwritten by AXA), Arch, GMB broker, First Ireland, Wakam, and Allianz.
When insuring a Japanese import car, it is important to shop around and compare quotes from different insurance providers. This will increase your chances of finding a good quote. It is also worth noting that modifying your Japanese import car can increase the cost of your insurance.
If you are looking to insure a second car on a limited-mileage policy, it could be cheaper to insure your Japanese import car. This will depend on your no-claims history and other circumstances. It is worth considering your no-claims history and any penalties or points you may have when insuring your Japanese import car, as these can impact your insurance premium.
In summary, while Japanese import cars may be more expensive to insure, specialist insurers can help you find the best deal. Shopping around, comparing quotes, and considering your specific circumstances are all important steps in insuring your Japanese import car.
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Parts availability may impact insurance
Japanese import insurance is a type of cover for vehicles imported from Japan, which are not sold through authorised dealerships in the UK. These vehicles are often referred to as "grey imports" and are popular among car enthusiasts and collectors seeking unique models. The insurance policies and premiums for these vehicles may differ from standard car policies due to varying specifications, features, and performance.
One of the main factors influencing the insurance rates for Japanese import cars is the availability and cost of parts. If parts are difficult to source or expensive, it can impact repair costs, resulting in higher insurance premiums. This is because insurers consider the availability of parts when assessing the risk associated with the vehicle. In the case of Japanese imports, the perception of limited parts availability may lead to higher premiums.
Additionally, Japanese import cars may have different parts and repair requirements compared to domestically available models. For example, right-hand drive cars may require specialised maintenance and repairs, further increasing costs. The age of the car can also play a role, with older vehicles potentially facing challenges in obtaining parts, especially if the model is no longer in production.
To mitigate the impact of parts availability on insurance, it is advisable to explore specialist insurers who understand the unique nature of Japanese imports. These specialists may be able to negotiate discounts and offer competitive rates by recognising that owners of these vehicles tend to take extra care of their cars. Shopping around, obtaining multiple quotes, and maintaining a clean driving record can also help in finding more affordable insurance for Japanese imports.
While parts availability may impact insurance rates, it is important to note that other factors also come into play. The overall cost of insurance for Japanese imports is determined by a combination of factors, including repair costs, maintenance requirements, and the specific features of the vehicle.
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Mileage and age of the car matter
The age and mileage of a car are significant factors in determining insurance rates. Generally, older cars with higher mileage are more expensive to insure.
Japanese imports may be considered older cars in some cases, and this could be a reason why they are potentially harder to insure. Older cars are seen as a higher risk, and the age of the car was noted as an issue when trying to insure Japanese imports.
Mileage is a critical factor in determining insurance rates. Cars with lower mileage are often rewarded with lower insurance rates as they are seen as a lower risk. Japanese imports are often noted for their low mileage, which can be a positive factor when insuring these vehicles. However, some insurers may view extremely low mileage as a negative, especially for older cars, as it may indicate the car is not being driven enough to hold its value.
Some insurers offer specific low-mileage insurance plans, and drivers can also opt for pay-as-you-drive or usage-based insurance plans, where the insurer tracks your mileage and driving habits. These plans can benefit those with low mileage, but it is important to note that other factors, such as driving behaviour, also come into play.
It is worth noting that insurance companies have different criteria for setting rates, and some insurers may be more favourable for low-mileage drivers than others. Therefore, shopping around and getting quotes from different insurers is essential to finding the best rate for Japanese imports with low mileage.
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It's harder to find UK mechanics for Japanese cars
While it may not be any trickier to insure a Japanese import car in the UK, it is generally more expensive to do so. The extra cost is usually not by a huge margin, especially if the car was originally sold in the UK market.
One issue that may arise when trying to insure a Japanese import is that some insurers will not insure them. This can make it harder to find insurance, but it is not impossible. Some companies that insure Japanese import cars include Advance Insurance, Allianz, AXA, First Ireland, and Wakam.
Finding UK mechanics for Japanese cars can be difficult. Some companies that offer repairs and maintenance for Japanese cars in the UK include Pole Position UK in Wolverhampton, Serk Motorworks in London, and Eden Park in Beckenham. These companies have experience with various Japanese car brands and can provide specialist services and upgrades.
Overall, while it may be more challenging and costly to insure and maintain Japanese import cars in the UK, it is not impossible. There are specialists in both insurance and mechanics who cater to Japanese imports, ensuring that owners can keep their vehicles in perfect condition.
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Frequently asked questions
Yes, it is harder to insure Japanese imports as some insurance companies refuse to insure them due to the risk associated with imports. However, some insurers do provide insurance for Japanese imports, such as AXA, Allianz, and First Ireland.
Japanese imports are harder to insure due to the unavailability of replacement parts in the local market, which makes it difficult for insurance companies to process claims relating to these imports. Additionally, older Japanese car models may lack engine immobilizers, making them more susceptible to theft.
To get a better insurance deal for your Japanese import, it is recommended to shop around and compare quotes from different insurance providers. You should also consider the age of the car, as older cars may have higher insurance premiums. Additionally, modifying your Japanese import can increase the cost of insurance.
