Insuring my Son on my car when he is in the UK

gwentrevor

My Son works in Bermuda on 2 year contracts. He holds a UK driving licence and his postal address is in the UK.
My Insurance Co has told me I cannot insure him on my car any more for short periods of time when he comes over to stay with me (but he would be able to hire a car).
Please could someone advise me if this is correct?

unforeseen

It's the insurance company's call on whether they allow it. If they see this as fairly regular then as far as they are concerned he should be an additional driver for the full period of the insurance.

gwentrevor

Thanks very much but just rang M&S Insurance who say their rules are that if a driver spends longer in another country than the UK then he/she cannot be put onto the insurance.

eddddy

So the issue is that your son is not currently a UK resident - and M&S (along with most insurers) don't allow non-UK residents as named/temporary drivers.

Possibly the best option is to cancel your M&S policy and go to a different insurer who accepts non-UK residents as named drivers - assuming you can find one.


This article in the Telegraph suggests a few - but the article is from 2010, so things may have changed: http://www.telegraph.co.uk/motoring/caradvice/honestjohn/7922584/How-you-can-insure-visitors-from-overseas-on-you-car.html

magpiecottage

It is the rules of M&S, then. However, moving insurer might not be such a good move now as you will pay disproportionately for that.

You could try DayInsure.com. I think they can offer bolt on policies to cover your son for your car without affecting your no claims.

I use them for my son who is learning to drive at present.