汽车保险¶
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Regarding car insurance in the UK:
First, never buy fake insurance.
Second, beware of unscrupulous intermediaries. Some intermediary agencies may lie about the customer's age or forge proof of no claims record to obtain low-priced insurance from car insurance companies and then sell it to customers.
How to prevent fake insurance?
Firstly, if the insurance is too cheap, it's likely to be fake. Fake insurance often claims to provide a "No claim bonus," but in reality, all accident records in the UK are registered online and can be easily checked.
Secondly, there are many unscrupulous companies that specialize in selling fake insurance to Chinese people and international students. They may claim that the insurance is genuine and even provide a counterfeit insurance certificate that looks identical to the real one. However, in the age of the internet in the 21st century, all insurance policies can be verified online. The insurance policy number is registered in the system, and you can check it by visiting the website (if you cannot access the website, it's because you need to be in the UK to access it): [https://ownvehicle.askmid.com\]. Simply enter your vehicle registration number on the website to check the insurance details.
It is important to be cautious and ensure that you are purchasing legitimate car insurance from reputable sources to avoid any legal or financial complications.
Next, the information you provide on your purchased car insurance must be your true, valid, and accurate information. After buying the insurance, carefully check the personal information on the policy, including your name, phone number, age, address, and so on. If there are any discrepancies, immediately call and verify for correction.
Some intermediary insurance companies may intentionally inflate your age or provide false information about your gender to obtain low-priced insurance and sell it to you. If any issues arise, you will be held responsible because the actual price of car insurance for each vehicle is calculated based on your specific information, including gender, age, marital status, vehicle condition, address, driving experience, and more.
Using a Chinese driver's license to purchase car insurance can be significantly more expensive compared to having a UK driver's license, especially for the first time. That's why many people tend to buy fake insurance. However, purchasing fake insurance is extremely dangerous. If nothing happens to your car, no accidents occur, and you don't get caught by the police, then you may think everything is fine.
However, if any minor traffic incidents occur and it is discovered that you don't have valid insurance, the consequences can be severe. Car insurance is mandatory, and according to UK criminal law, driving without insurance is a criminal offense. If caught without insurance, you may face criminal prosecution, vehicle seizure, and hefty fines. The record of fake insurance will also follow you, affecting your future visa applications, renewals, and immigration to the UK, among other things.
So, where can you buy car insurance in the UK?
Usually, people search online and research the reliability of different companies. They compare several companies, compare prices, and then negotiate for a better deal. Most of the time, car insurance is bought through the website MoneySuperMarket. This website is somewhat similar to the Chinese website Qunar. I also purchased my travel insurance for Schengen visa through this website. Here is the website link: [https://www.moneysupermarket.com/\].
There are other recommended websites for comparing car insurance prices and other information. These are reputable comparison websites.
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Alright, now that you have your Chinese driver's license, certified translations, and car insurance, you can begin your enjoyable journey of driving in the UK! :)
However, please note that after 12 months, you will no longer be able to drive in the UK. If you wish to continue driving seamlessly, you should apply for a UK driver's license within these 12 months. Firstly, you need to apply for a provisional license and then pass the driving test to obtain a UK driver's license. By doing so, you will be able to get cheaper car insurance for your next purchase.
As shown in the image below, this is a UK driver's license. Sharp-eyed individuals might have noticed someone familiar. Hahaha, even I don't know who that person is, probably just a random model or passerby. :)
Meow Reminder:
The steering wheel in the UK is on the right side.
Drive on the left side of the road.
Keep your driver's license and certified translations together. You can make a photocopy of the translations as a backup and take a few photos.