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.

[catso]

tumble dryer said:

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.

My Son has been living in Bali for the last 4 years and is coming home for a couple of months so will be resident here. I can add him to my insurance for £20 per week but he does have a UK licence so not sure if it would have been the same if not especially if on an Indonesian licence which he got (bought) to drive over there.

My Sister lives in Italy and has done for the last 50 years so, despite being English nationality is also an Italian citizen (even has an Italian passport since Brexit).

When she used to visit and stay with my Dad he would let her use his car as his insurance was for any driver with a UK licence that, she still had from the 1970s (with my Dad's address as the registered UK address) though, despite the 'with a UK licence' clause being correct, I'm not 100% certain of the legality?

[Rumdoodle]

Check the small print and call the insurer. I'm non-resident with a UK licence and address. I previously insured my cars through Lancaster and Chris Knott, both of which stipulate residency requirements I can't fulfil. I now use Keith Michaels, which specialises in non-residents.

However, on two occasions I've had family members enquire with their insurance companies about adding me as a named driver on their policies, specifying that I was non-resident - one said yes, one said no.

[Pumalhd]

My mother's car was insured with Hastings and they were happy to add me as an additional driver with a German address/licence.

[zbc]

I'll update everyone on my experience but my daughter tells me she is "very busy" at work and hasn't asked her insurer yet

[rdjohn]

zbc said:

I'll update everyone on my experience but my daughter tells me she is "very busy" at work and hasn't asked her insurer yet

Have you checked your French policy?