Moving abroad as a retiree is an exciting adventure, especially when your destination is the UK. With its historic towns, rich culture, and well-connected travel links to Europe, the UK offers a unique lifestyle that blends tradition with modern comforts. But as with any major move, the first 90 days are crucial for laying a solid foundation. This guide walks you through the essential steps to take during your first three months to ensure a smooth and enjoyable transition.
From settling into your new home and navigating British bureaucracy to building your social circle and exploring the country, here’s how to make the most of your first few months across the pond.
Week 1: Settling In
The first week is all about getting your bearings. Once you’ve cleared immigration and collected your luggage, you’ll want to head to your accommodation—be it a temporary rental or your permanent residence. If you’ve hired a relocation agent, this process should be relatively straightforward. If not, having transportation and accommodation pre-booked can make things easier.
Jet lag is likely, so try to take it easy for the first 48 hours. Unpack essentials, stock up on groceries, and familiarize yourself with your neighborhood. A short walk can help you stay awake and spot local amenities like pharmacies, banks, and cafés.
Here are a few practical steps to prioritise:
- Set up a UK SIM card and mobile plan
- Open a UK bank account using your passport and proof of UK address
- Locate your nearest medical services
- Make a list of emergency contacts and keep it accessible
If you’re moving into a permanent residence, now is also the time to register with utility companies and set up internet access. Temporary rentals typically include these services, but it’s worth confirming what’s covered in your agreement.
Begin building a local support network by introducing yourself to neighbours, chatting with shopkeepers, and visiting community spaces. Getting to know your surroundings early will help you feel at home faster.
Weeks 2–4: Essential Services
Once you’ve settled in, the next few weeks should focus on becoming part of your new community and navigating essential services.
Healthcare Access
If you’re staying in the UK long-term, registering with a GP (General Practitioner) is a priority. Visit the NHS website to find nearby practices and fill out a GMS1 registration form. While NHS care is available to residents, you may also want to consider private health insurance for quicker access to specialists or specific treatments. Keep a file of your medical records and prescriptions, and if you have chronic conditions, schedule an introductory appointment with your new doctor. Pharmacies, often called “chemists” in the UK, are widely available and typically offer prescription services, flu jabs, and general advice.
While the UK’s NHS provides robust healthcare, many expats find additional peace of mind in supplementing it with private international health insurance. This can be useful if you’d like the following:
- Comprehensive access to public and private healthcare providers
- Coverage for chronic conditions and optional extras like dental and vision
- Flexible plans tailored to lifestyle and travel needs
- 24/7 multilingual support and easy online claim management
Getting Around
Getting around is also key to settling in. You can drive on your US license for up to 12 months, after which you’ll need to exchange it. For public transport, consider:
- An Oyster card if you’re based in London
- A Senior Railcard to save on UK train fares
- Mobile apps like Trainline and Citymapper to plan routes and check times
To make social connections, look into local councils, libraries, leisure centres, places of worship, and hobby-based groups. Many offer activities and services geared toward retirees and new residents.
Month 2: Administrative Groundwork
With the basics in place, your second month is the time to focus on the behind-the-scenes essentials that ensure peace of mind in your new home.
Start with your finances. Inform the IRS of your move and make sure you’re up to date with any required filings such as:
- Form 8854 (for long-term residents giving up residency)
- FBAR (for foreign accounts exceeding $10,000)
A cross-border tax advisor can ensure you understand how the US-UK tax treaty affects pensions, investments, and Social Security.
Next, review your insurance coverage. This includes:
- Private health insurance (if you want faster access or broader coverage)
- Home and contents insurance
- Travel insurance for trips around the UK and Europe
- Pet insurance if you’ve relocated with an animal companion
Finally, take care of your legal affairs. UK inheritance laws differ from the US, so consider:
- Updating your will under UK law
- Setting up a UK Power of Attorney
- Storing estate planning documents securely and informing a trusted contact
Month 3: Building Your New Life
By now, you’ll likely feel more settled, and it’s time to begin enjoying all the UK has to offer.
Explore regional highlights like:
- The Cotswolds for classic countryside charm
- Cornwall for dramatic coastline and local seafood
- The Scottish Highlands for outdoor adventures
Joining organisations like the National Trust or English Heritage provides discounted or free access to hundreds of historical landmarks, gardens, and events.
To stay active and connected, try:
- Volunteering with local charities or schools
- Joining U3A (University of the Third Age) for educational and hobby groups
- Taking up a creative or outdoor activity like painting, walking, or gardening
Maintaining connections with friends and family back home helps ease the emotional transition. Use apps like WhatsApp and FaceTime for regular calls. Set up mail forwarding or a digital mailbox for important correspondence. And when you’re ready, host visits or plan return trips to the US.
Embrace the Change
Your first 90 days in the UK are a time of adjustment, but they’re also full of opportunity. By staying proactive, organised, and open to new experiences, you can turn the challenges of relocation into a rewarding new chapter. Take it one step at a time, lean into your local community, and allow yourself to enjoy the journey.