Why won’t insurer cover my friend?
I have a friend staying with me for five weeks and want to add him to my car insurance.
Although a British citizen, he has allowed his UK driving licence to lapse because he has lived and worked in the US for several years and now has a Hawaiian licence. I contacted my car insurer through AA Insurance and was told this was not possible. I managed to find one insurer that could offer the service for a maximum of 28 days. It would have meant changing my own insurance policy and it quoted me an annual charge of more than £700.
Having searched the internet I found two lists
of countries that qualify for temporary cover, but I fail to understand why American licence holders are not eligible. HH, MIDDLESEX
I spoke to Ian Crowder of AA Insurance (the broker business you were dealing with, which has a panel of insurers).
He said the difficulty was that “insurers just don’t have the appetite for the greater risk involved in covering a foreign national”.
He added that overseas drivers were around three times more likely than domestic ones to have a collision, as they are not used to Britain’s roads.
He concluded: “EU drivers can drive their cars in the UK on their own car