Cant find an insurer!!!! My Dad is Non-Uk Resident

[nosha123]

Hey All!

We have bought a stunning Dax Cobra kit car.. currently insured with Performace Direct and with my Husband and I as the drivers on the policy.

the car was purchased as a bit of a 'treat' for my dad to drive when he comes over from Spain… and having done the GRAND REVEAL 2 days ago.. I now need to get him insured!

Trouble is… Performance Direct only use Brokers who stipulate you must be UK resident.. and my Dad isn't.

The main policy holders will be me and my husband.. with my dad only driving it for a few days at a time when he visits.

What should I do???

He has an EU driving licence. He is a UK Citizen… but not a UK Reisdent. He lives in Spain

ANyone got any ideas as to where to start?

I'm guessing we would have to then cancel our current policy with PD.. and then take out a new one.. since I have also heard you cannot insure a vehicle TWICE????

Thanks

Natasha

[ZOLLAR]

You can insure a car twice, just not claim for the same loss on two different policies.
Have you tried temporary insurance companies like Tempcover, AA etc?

Unsure if they cover non residents but no doubt there is a market for it and I'd be looking there first.

[Robert Elise]

this is a real and genuine problem.

AXA provide a policy either through Stuart Collins - but only cover standard unmodified cars. doubt Dax would fit.

i once got a quote for a Caterham from:
Denrick Smith
Client Manager | Private Wealth
R K H A R R I S O N
Woodlands, Manton Lane, Bedford, MK41 7LW
T 01234 298 386 M 07932 044 400 E [e-mail]
www.rkharrison.com

Caterham is technically a kit car, so you might be ok with RKH

[996TT02]

Can't you insure it so that anyone can drive it, rather than just named drivers?

And/Or -

Surely the question of residency only comes into it when trying to get a complete new policy in the name of the non resident?

Otherwise it would mean that only UK residents could ever drive cars in the UK.

[Mound Dawg]

"Any driver" policies have been pretty much dead for years, too many people taking the piss by not disclosing their 18 year old son or their husband with a drink drive conviction...

[Pints]

Will be watching this thread with interest. Having my non-UK resident in-laws insured to drive one of our cars for a few months each year is an annual issue. We always resort to just getting a hire car for the period, as it works out cheaper than what any insurers are prepared to quote.

[johnnnnnnyy]

There must be a solution, hire cars companies do this with hundreds of none UK citizens each and every day.

[nosha123]

"There must be a solution"

Yes my thoughts exactly… Its hard to know where to start though!
I feel this could take some time and numerous phone calls to try to find our needle in a haystack!

Please all keep contributing.. Am interested in all your advice!
Thanks

[Robin Hood]

I had a property in Spain and a Spanish registered Focus, the Spanish policies cover all the EU, not just Spain. Assuming the Dad has a Spanish motor policy it MAY be easier to add the extra car to that, although the UK reg may possibly be an issue.

[itz_baseline]

Google is your friend. I found this in about 10 seconds. I don't know anything about them, but see the 'expats' section.

http://www.dayinsure.com/more-information.aspx

Suspect there are stacks of companies that do this. Your situation is hardly unique.

[nosha123]

I think my challenge is two-fold
1) we need a named driver who is not UK resident
2) it is a 1970 classic/kit car


Surely I can't be the only or the first?????

[tog]

nosha123 said:

I think my challenge is two-fold
1) we need a named driver who is not UK resident
2) it is a 1970 classic/kit car


Surely I can't be the only or the first?????

I have a multi-vehicle policy with Footman James, some classics, some modern cars on the policy. They were happy to extend cover to my Australian friend when she visited and borrowed a car for a couple of weeks a few years ago. I don't recall what they charged, but it wasn't a lot and was certainly cheaper than a hire car.

[Old Merc]

I find all this odd? my son has lived abroad and pays income tax abroad for the last 20 years,I`ve had no problem getting temporary cover for him to drive any of my vehicles for SDP (not business).I have a motor traders policy with AXA and just call my broker with the dates of his visit,I think it cost about £50-£100.
Mind you he has a UK Pass Port and driving license and is on the UK electoral role at my address.

[nosha123]

My dad has UK Passport, EU Driving Licence, and is not on electoral register
So that might be my stumbling block

He is trying Footman James now!

FINGERS CROSSED EVERYONE!!!

I just spent £16k on this car and can't find a bloody insurer!!!

[nosha123]

They define 'RESIDENT' as... are you a PERMANENT resident of the UK?
And thus hold a UK driving licence.. which he doesn't!

[nosha123]

I want to make sure I do this all above board... and properly.. as don't want to risk them declining to pay out in event of a claim!!!

[Snollygoster]

Not sure how much this helps; but my company car can be driven by my brother who is UK Citizen, UK Licence, but lives in Spain.

Our work car insurance is will Allianz, and the wording states and EU resident who holds an EU Licence.

So yeah, Allianz could be worth a shot.

[nosha123]

thanks snollygoster
I suspect our problem will be that its a 1970 kit car and non-standard.. so a lot of them are not wanting to touch it!
I'll add them to the list to call though!

Keep the advice coming folks.. I haven't found my solution yet!!!!

N

[nosha123]

tog said:

I have a multi-vehicle policy with Footman James, some classics, some modern cars on the policy. They were happy to extend cover to my Australian friend when she visited and borrowed a car for a couple of weeks a few years ago. I don't recall what they charged, but it wasn't a lot and was certainly cheaper than a hire car.

Dear Tog
Thank you for your input. I have called FJ three times...
1st time: girl said adamantly NO they would not allow a non-UK resident to be insured as a named driver
2nd time: another girl said yes.. they WOULD insure my Dad as a non-UK resident but only on policies underwritten by Ageas. She said someone would call me back. They didn't
3rd time: told indefinitely NO they would NOT insure any non-UK resident

I told each girl of your 'tale' and that you HAD got cover for an Australian visitor... and they said it couldn't be true!!!!
FFS

I am still no further down the line and I still cannot get cover for my poor dad! He only wants to drive it for a few days each year!!!! Said it was one of the things he wanted to drive again before he died!!!!!!! (not that he is ill.. he isn't!!!)

Towergate DONT do tailor-made policies
Stuart Collins DONT insure unusual cars
TEMP cover or One Day Insure: DONT insure classic or kit cars

What the hell do I do????? It means he can't ever drive it on UK roads.. unless he chooses to completely break the law!!!!
Its not fair!

[spaximus]

Try calling A plan insurance in Thatcham near Newbury. They are good with Kit cars and are highly rated by the Westfield club.