UK non resident driving in UK, which insurance

[zbc]

Apologies as I know there are a number of similar threads but it seems like the devil is often in the detail.

I live in France and have a French licence and a French registered car with French insurance. This summer I will be traveling to see my daughter in Scotland and for various reasons it would be useful if I could also occasionally drive her car over a period of a couple of weeks. As far as I can tell there is no legal issue with this but what is less clear is the best way to arrange the temporary insurance. Does she do it with her insurers, do I do it with mine or is it easiest to just use a separate policy?

[KadettE]

Try getting added as named driver on her insurance first. If that doesn't work you'll have to try out if one of the short-term insurance providers will insure you. I'm sure someone here knows one that allows foreigners.

[Jayho]

There's quite a few temporary insurance companies now which can be found with a quick google. Cuvva being an example of one.

Personally I would have her check how much it would cost for her to add you on her insurance for a couple of weeks. I used to do it for my father whenever he was over and it was always a reasonable price.

[zbc]

Thanks for the quick answer. Seems simple. I'll let you know how it goes

[tumble dryer]

zbc said:

Apologies as I know there are a number of similar threads but it seems like the devil is often in the detail.

I live in France and have a French licence and a French registered car with French insurance. This summer I will be traveling to see my daughter in Scotland and for various reasons it would be useful if I could also occasionally drive her car over a period of a couple of weeks. As far as I can tell there is no legal issue with this but what is less clear is the best way to arrange the temporary insurance. Does she do it with her insurers, do I do it with mine or is it easiest to just use a separate policy?

Had something very similar. It'll be easiest, and potentially a lot less problematic, if she adds you to her policy. From memory I think it cost an additional £20 to have my BIL on my policy for a couple of weeks.

[rdjohn]

When I was French resident, my Credit Agricole policy covered me to drive any vehicle with the owner’s consent.

It did not exclude any other countries.

[Wombat3]

UK insurers generally dislike overseas licences and residents. Don't be surprised if they won't add you to her policy. You might find it easier to rent something.

[Whitean3]

Wombat3 said:

UK insurers generally dislike overseas licences and residents. Don't be surprised if they won't add you to her policy. You might find it easier to rent something.

Indeed- I've had exactly the same problem in the past. The only insurer that would add me to my mum's insurance was Zurich- and we suspect that is because I'm resident in Switzerland... Incredibly frustrating

[zbc]

Whitean3 said:

Wombat3 said:

UK insurers generally dislike overseas licences and residents. Don't be surprised if they won't add you to her policy. You might find it easier to rent something.

Indeed- I've had exactly the same problem in the past. The only insurer that would add me to my mum's insurance was Zurich- and we suspect that is because I'm resident in Switzerland... Incredibly frustrating

And this is why I'm asking here. I'll actually be driving over there in my car but for some specific reasons I would need to drive her car too for a few days. If I can't make it work it's a pain but not a disaster

[markjmd]

I looked into this a few years ago for a visiting relative from the US, and the only insurer I found who would cover them were Sterling (https://www.sterling-insurance.co.uk/). Ended up using them on a couple of visits, but depending on the car, individual and length of cover needed, getting a hire car might work out better value.

[Doesitdrive]

tumble dryer said:

zbc said:

Apologies as I know there are a number of similar threads but it seems like the devil is often in the detail.

I live in France and have a French licence and a French registered car with French insurance. This summer I will be traveling to see my daughter in Scotland and for various reasons it would be useful if I could also occasionally drive her car over a period of a couple of weeks. As far as I can tell there is no legal issue with this but what is less clear is the best way to arrange the temporary insurance. Does she do it with her insurers, do I do it with mine or is it easiest to just use a separate policy?

Had something very similar. It'll be easiest, and potentially a lot less problematic, if she adds you to her policy. From memory I think it cost an additional £20 to have my BIL on my policy for a couple of weeks.

This, it shouldn't be a problem having an EU license, done it often with Irish relatives.

[AB]

I'd use it as an excuse to drive something interesting through Turo

[AB]

I'd use it as an excuse to drive something interesting through Turo

[Wombat3]

Doesitdrive said:

tumble dryer said:

zbc said:

Apologies as I know there are a number of similar threads but it seems like the devil is often in the detail.

I live in France and have a French licence and a French registered car with French insurance. This summer I will be traveling to see my daughter in Scotland and for various reasons it would be useful if I could also occasionally drive her car over a period of a couple of weeks. As far as I can tell there is no legal issue with this but what is less clear is the best way to arrange the temporary insurance. Does she do it with her insurers, do I do it with mine or is it easiest to just use a separate policy?

Had something very similar. It'll be easiest, and potentially a lot less problematic, if she adds you to her policy. From memory I think it cost an additional £20 to have my BIL on my policy for a couple of weeks.

This, it shouldn't be a problem having an EU license, done it often with Irish relatives.

Depends on the insurer. A few will do it, most won't ( or if they can be persuaded, they'll want silly money).

You just have to ask & find out.

If the existing insurer says no then it gets difficult because there are issues with having more than one policy active on a single vehicle AFAIK.