You should buy an imported car in the UK when you want to purchase a Japan Domestic Market (JDM) vehicle that comes in clean condition, a rare classic vehicle, or a vehicle that has higher specs than one sold in the local market.
Key Takeaways
- In the UK, there are two types of imported vehicles: grey imports and parallel imports
- People purchase an imported car because the features and options are sometimes different from what’s available in the local market.
- Risks of buying an imported vehicle include finding spare parts and maintenance
- Use a V5C logbook or premium vehicle report to see if the car was an import
Concerns about hidden damage, compatibility issues, or higher insurance costs often arise. But there’s good news: with the right preparation, you can enjoy the perks of owning an imported car while avoiding pitfalls. Check this guide to navigate the pros, cons, and must-know details when importing a used car, with insights on how our imported car check tool can simplify the process.
Types of Imported Cars
In the United Kingdom, there are two types of imported cars: parallel imports and grey imports. Understanding the difference can help you assess a vehicle’s specifications, compliance with UK regulations, and potential ownership costs.
Parallel Imports
Parallel imports are vehicles sourced from another country, outside the UK manufacturer networks. The models might also be available within the UK but were supplied for a different market. The differences usually lie in specifications, warranties, and equipment, which can affect maintenance costs and resale value.
Grey Imports
Grey imports are vehicles that were brought into the UK from markets where the manufacturer does not officially sell the vehicle models through its official UK networks. Grey import vehicles are usually sourced by independent importers and may include Japanese performance cars, luxury models, and vehicles with features or specifications not available in the UK.
Pro tip
Before you purchase a grey import vehicle, make sure the car meets UK registration requirements and that suitable parts, servicing, and insurance.
Potential Risks of Imported Cars
While the appeal is undeniable, imported cars come with risks that require careful consideration. From meeting UK road standards to securing affordable insurance, it is important to understand the potential drawbacks before committing to a purchase.
Compliance With UK Standard
Firstly, make sure the vehicle is compliant with UK standards because it is going to be driven in the country. Cars designed for foreign markets might not meet UK emissions or safety regulations. Modifications may be necessary, which adds costs and time to your purchase.
Parts Availability and Maintenance
Then, pay attention to parts availability and maintenance. If the car isn’t widely sold in the UK, finding replacement parts can be challenging and costly. Maintenance might also require specialized mechanics, adding to ongoing expenses.
Vehicle History
Lastly, understanding the car’s history is crucial. Without using a proper car history check, you risk buying a car with hidden issues, like mileage fraud, accident damage, or outstanding finance. A thorough vehicle history check is non-negotiable to avoid expensive surprises.
Imported Car Insurance: What to Expect
Imported cars can be more difficult to insure than UK-market models, especially if they have unusual specifications, expensive replacement parts, or a limited repair network. The good news is that you still have options.
Why Is Imported Car Insurance Different?
When calculating an insurance fee for an imported car, insurers usually look at more than just the make and model; they also need to consider how easy it is to repair the vehicle, how much the replacement costs, and how accurately they can value the vehicle.
For example, a Japanese sports car that was never officially sold in the UK might need parts sourced from overseas. If repairs are more expensive or specialist mechanics are harder to find, an insurer may charge more or limit the cover available. Some insurers may not cover certain imports at all, so it’s worth checking your options before handing over your money.
What Do You Need to Get Insurance for an Imported Car?
When applying for imported car insurance, you need to provide a few extra details to help the insurer assess the vehicle. These can include:
- VIN: The Vehicle Identification Number helps identify the car and confirm its specifications.
- Country of origin: Insurers may want to know where the vehicle was supplied for sale.
- Modifications: Performance upgrades and other changes can affect your premium and the cover available.
- Vehicle valuation: If the car is rare or particularly valuable, you may need evidence of its market value.
- Registration documents: Your insurer may ask for the V5C logbook or other relevant paperwork, depending on the car’s registration status.
Can You Insure an Imported Car Before Registration?
Yes, it could be possible to arrange insurance before the imported car gets its UK registration number, but you’ll need to find a provider that covers vehicles in this situation. A standard policy may not be suitable, particularly if the car is newly imported and still awaiting approval or registration.
Some specialist insurers and brokers can arrange cover using the VIN and available import documents. Before choosing a policy, check when the cover starts and whether it includes the car while it’s being transported or waiting for registration.Â
How to Keep Imported Car Insurance Costs Down
Unfortunately, you cannot control every factor that affects your premium, but a little research can help you find a better deal to insure the car.
- Compare specialist insurers and brokers: Some providers have more experience with grey imports, classic cars, and high-performance models than mainstream insurers.
- Get quotes before buying: Don’t assume you’ll be able to insure the car at an affordable price just because you can afford to purchase it.
- Agree on the car’s value: If you’re buying a rare or modified import, ask how the insurer will value it if it’s stolen or written off. Keep evidence to support the agreed value where applicable.
- Be upfront about modifications: Undisclosed changes could affect your cover or lead to problems with a claim.
- Compare the policy, not just the price: Check the excess, exclusions, repair arrangements, and level of cover before making a decision.
UK Registration and Cost
Buying a used car in the UK needs more than just finding the right vehicle and finding the insurance agency. Registration, import taxes, vehicle approval, and roadworthiness requirements can all add to the cost, so it’s worth checking what’s involved before you buy.
DVLA Registration and NOVA
If you’re importing a car permanently into Great Britain, you’ll need to notify HMRC through the Notification of Vehicle Arrivals (NOVA) system and register the vehicle with the DVLA.Â
You may need to submit a NOVA declaration within 14 days of the vehicle arriving in the UK. You’ll also need the relevant paperwork, including foreign registration documents and proof of vehicle approval.
VAT, Duty and Other Costs
These things depend on the car’s origin and the circumstances; you probably need to pay import VAT and customs duty. Other costs can include:Â
Depending on where the car comes from and your circumstances, you may need to pay import VAT and customs duty. Other costs can include:
- DVLA registration: The standard first-registration fee is £55 for vehicles where the fee applies.
- MOT: The car may need a valid MOT, depending on its age and circumstances.
- Number plates: You’ll need plates made after the DVLA assigns a UK registration number.
- Vehicle approval: Some imports require an Individual Vehicle Approval (IVA) test or other approval before registration.
IVA and Type Approval
Not every imported car needs an IVA test. The requirements depend on the vehicle’s age, origin, and existing approval status. Some cars may qualify for exemptions, while others need testing to confirm they meet relevant safety and environmental standards. Check the GOV.UK guidance on registering an imported vehicle for the requirements that apply to your car before buying it.
How to Check if a Car Is Imported
If you are not sure whether the car was originally intended to be sold in the UK market or was brought in from another country, you need to check and find out first. Check the registration documents, ask the seller about the car’s background, and use an imported car check to look for import records.
Check the V5C Logbook
Ask the seller to show you the V5C logbook and look for any notes indicating that the car was previously registered overseas. You can also compare its manufacture date with its first UK registration date.
Ask the Seller About Its Origin
Ask where the car was originally purchased and whether it has been registered abroad. If possible, request supporting documents, such as previous registration papers, import paperwork, or overseas service records.Â
Run an Imported Car Check
For another way to verify the car’s background, use Smart Car Check’s imported car check. It can help you identify import-related records and assess the vehicle’s history before you commit to buying it.
Frequently Asked Questions
Are imported cars more expensive to insure in the UK?
Yes, they often are. Insurers may charge higher premiums due to parts availability and unfamiliar specifications.
Can I trust the mileage on an imported car?
Only sometimes. Mileage fraud is a common issue with imports. A detailed history check can help verify its accuracy.
Is an imported car more likely to have hidden damage?
It can. Without thorough car registration checks, you might miss previous accidents or structural issues. Always verify the car’s history before buying.
Is it cheaper to insure an imported car?
No. Imported cars generally cost more to insure than UK-spec vehicles because insurers may consider factors such as repair costs, parts availability, vehicle specifications, and the difficulty of assessing their history.
Can I insure an imported car before it’s registered?
Yes. Some insurers allow you to arrange cover before an imported car receives its UK registration number. You can usually provide its VIN (Vehicle Identification Number) or chassis number instead, although requirements vary between insurers.
Are imported cars worth buying?
Imported cars can be a good purchase if you’re looking for rare models, different specifications, or features that may not be available on UK-market vehicles. However, consider potential challenges such as higher insurance premiums, limited parts availability, maintenance costs, and difficulties with registration or resale.
How do I check if a car is imported?
You can identify an imported car by checking its V5C logbook, registration details, and other vehicle documents. Physical indicators and a vehicle history check can also help. With Smart Car Check, you can use the registration number to see whether the vehicle has an imported record.
Should I buy an imported car?
It depends on what you’re looking for. An imported car may suit you if you want a particular model or specification that isn’t commonly sold in the UK. However, a UK-spec vehicle may be more practical if you prioritise easier maintenance, insurance, parts availability, and resale.
