Any experience of a UK Resident Having a Motorhome for non-UK resident to use

[watsonjones]

Does anyone have any experience on either side of the equation where a UK resident purchases, or has a motorhome, that they allow a non-UK resident to use. We are Ex-Pat's now living in the US and would like to come to the UK and borrow a motorhome owned by my sister, a UK resident. The motorhome has yet to be purchased. Our plan is to use the motorhome to tour the UK and Europe for around six months out of the year for the next few years. We plan to try to secure third party insurance to cover our use of the vehicle.

 

[Tombola]

No experience of it myself but yes you can insure a vehicle you don't own. None owner insurance.

I'd imagine you can do the same with an mh.

Maybe worth a call to comfort

 

[bobnick]

But remember to drive on the correct side of the road

 

[Figaro]

Surely you'd need comprehensive insurance not just third party.
Could your sister not just buy it and insure with you as named drivers ?
I'd speak to a broker who could investigate which insurance company could provide cover.
AIB are very helpful

 

[Charente16]

When you start travelling in Europe you should carry the V5 Vehicle Registration document with you, together with a letter from your sister authorizing you to both drive the vehicle and take it out of the UK.

The police in some countries' like to "dot the i's and cross the t's".

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[jumartoo]

It is possible, but some Brits, now resident over in mainland Europe, have had problems getting insurance with a non British licence. You might have to search for a company that will do it.

 

[Coolcats]

Does anyone have any experience on either side of the equation where a UK resident purchases, or has a motorhome, that they allow a non-UK resident to use. We are Ex-Pat's now living in the US and would like to come to the UK and borrow a motorhome owned by my sister, a UK resident. The motorhome has yet to be purchased. Our plan is to use the motorhome to tour the UK and Europe for around six months out of the year for the next few years. We plan to try to secure third party insurance to cover our use of the vehicle.

Assuming that you have british passports and being expats you can stay without a visa for more than 90 days so no issues.

Like anyone from abroad either you need a visa or you don’t. You would need medical insurance and vehicle insurance in the same way as any U.K. citizen would if visiting Europe.

 

[Coolcats]

No experience of it myself but yes you can insure a vehicle you don't own. None owner insurance.

I'd imagine you can do the same with an mh.

Maybe worth a call to comfort

A polish friend did this, he had insurance on a car he did not own for around two years.

 

[MandP]

You could try Keith Michael's Insurance registered in Surrey.Tel 00442083291150
Website www.keithmichaels.co.uk
Ask for Jason Robery

Good Luck

 

[L' Hobo]

As has been said before, I would have thought the simplest way would be for your sister to insure the vehicle, fully comprehensive, any driver (or named driver if that's not possible)

Or, you can buy the vehicle but your sister's name on the V5 as the 'keeper'. (It no longer states 'owner')

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[Bessy765]

For a motorhome you will probably not get any driver but you should be able to get named driver. Get your sister to insure it then just add a named driver as and when needed. Technically your sister should be the main driver but she could ring up say you are coming with them for a holiday to share the driving on the first time then the second time just name them having been on it before that should be fine. I am no way suggesting to falsify your statement as was the case when dad insured the sons car with him as a named driver to get cheaper but invalid insurance but just to provide a record of the driving.

 

[Ian Bosman]

Does anyone have any experience on either side of the equation where a UK resident purchases, or has a motorhome, that they allow a non-UK resident to use. We are Ex-Pat's now living in the US and would like to come to the UK and borrow a motorhome owned by my sister, a UK resident. The motorhome has yet to be purchased. Our plan is to use the motorhome to tour the UK and Europe for around six months out of the year for the next few years. We plan to try to secure third party insurance to cover our use of the vehicle.

i have lent my previous motorhome to a uk friend with short term insurance. I might suggest using the address of your sister for your address while in the uk. Best is you can insure for comprehensive but you will find it pricey with no no claims bonuses you US experience in driving will not count

 

[watsonjones]

Surely you'd need comprehensive insurance not just third party.
Could your sister not just buy it and insure with you as named drivers ?
I'd speak to a broker who could investigate which insurance company could provide cover.
AIB are very helpful

Sorry I meant insurance through a third party, not third party coverage insurance (my americanisms are showing).

 

[Terry]

Most insurers don’t give NCB on MHs unless you specifically ask them to, so it shouldn’t be a problem. They will mirror your sisters insurance and she will have to insure it with both yourself and wife as named drivers. Assuming you both have uk license Fully comp insurance will be cheaper than 3rd party simply because more insurers will quote - just noticed you posted as I was typing

 

[watsonjones]

You could try Keith Michael's Insurance registered in Surrey.Tel 00442083291150
Website www.keithmichaels.co.uk
Ask for Jason Robery

Good Luck

MandP,
Thanks for the referral. I took a look at their website and they sound like they could be very helpful. I have reached out to them.

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[watsonjones]

Most insurers don’t give NCB on MHs unless you specifically ask them to, so it shouldn’t be a problem. They will mirror your sisters insurance and she will have to insure it with both yourself and wife as named drivers. Assuming you both have uk license Fully comp insurance will be cheaper than 3rd party simply because more insurers will quote - just noticed you posted as I was typing

Thanks for the info. Unfortunately I no longer have my old paper UK license, it would not be valid anyway since it has our old address, and I cannot renew it without establishing 6 month residency in the UK first, so we will need to drive on our US license. I am reaching out to Keith Michaels per a previous post to get info from them.

 

[MandP]

Thanks for the info. Unfortunately I no longer have my old paper UK license, it would not be valid anyway since it has our old address, and I cannot renew it without establishing 6 month residency in the UK first, so we will need to drive on our US license. I am reaching out to Keith Michaels per a previous post to get info from them.

Good luck, we drive on European Licences and its fine. Our policy states that and the fact that we are EU residents and where we live in Europe.

 

[Terry]

Thanks for the info. Unfortunately I no longer have my old paper UK license, it would not be valid anyway since it has our old address, and I cannot renew it without establishing 6 month residency in the UK first, so we will need to drive on our US license. I am reaching out to Keith Michaels per a previous post to get info from them.

If no joy try AIB

 

[pappajohn]

Sister or not, I wouldn't allow anyone to use it on 3rd party insurance
If, and I mean if, you were to write it off and your fault who is going to pay your sister many thousands of pounds for the loss of her motorhome.
In general these days the financial different between 3rd party and comprehensive is negligible......a few pounds more for peace of mind.

 

[pappajohn]

MandP,
Thanks for the referral. I took a look at their website and they sound like they could be very helpful. I have reached out to them.

Is 'reaching out' the same as 'contacted them'
You obviously have these ridiculous sentences the same as we do.
You need extremely long arms to 'reach out' to a company on another continent.

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[Rapides]

Does anyone have any experience on either side of the equation where a UK resident purchases, or has a motorhome, that they allow a non-UK resident to use. We are Ex-Pat's now living in the US and would like to come to the UK and borrow a motorhome owned by my sister, a UK resident. The motorhome has yet to be purchased. Our plan is to use the motorhome to tour the UK and Europe for around six months out of the year for the next few years. We plan to try to secure third party insurance to cover our use of the vehicle.

My daughter lives in the US and I’ve tried many times to find an insurer who will accept her onto my policies with her US licence (or license as she’d now spell it). No chance. Likewise a stand-alone temporary policy, no-one will accept her even though she’s a British citizen.

I seem to recall there’s no problem getting insurance for citizens of Canada, Oz and South Africa. Maybe EU citizens are ok too.

My daughter does have a UK licence, but as she applied for it years after she’d left the country I regard it as invalid and there’s no way she’s driving my vehicles on it.

 

[royandsharont]

I’m pretty sure I recall part of our U.K. insurances over the years says the driver has the appropriate U.K. licence. If you have one, which I doubt as a non U.K. resident, it would be ok but if not I doubt you’d get it routinely. You may be able to get specialist cover, same as hiring a car does for non U.K. licence holders

I also thought you could only legally hold a U.K. licence if you were uk resident nothing to do with passport/ nationality

 

[EuroTrotters]

When you start travelling in Europe you should carry the V5 Vehicle Registration document with you, together with a letter from your sister authorizing you to both drive the vehicle and take it out of the UK.

The police in some countries' like to "dot the i's and cross the t's".

as in...

I fine you
Time to pay is now

 

[watsonjones]

Is 'reaching out' the same as 'contacted them'
You obviously have these ridiculous sentences the same as we do.
You need extremely long arms to 'reach out' to a company on another continent.

pappajohn,
I have been away too long. These days I need to ask my wife, who is American, do I say ... or ... ? I can't remember what is British and what is American.

 

[L' Hobo]

pappajohn,
I have been away too long. These days I need to ask my wife, who is American, do I say ... or ... ? I can't remember what is British and what is American.

No worries mate, most of us understood you!

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[Ian Bosman]

Try this https://www.marshmallow.com/insurance-for-expats?utm_source=google&utm_medium=cpc&utm_campaign=16403028196&utm_term=kwd-10033531&gclid=CjwKCAjwvfmoBhAwEiwAG2tqzIixnXxC0nCyBSAParH2K5eGAXLjaM3E3IftJ-WJ97_UtNXHz0G-LRoCMqYQAvD_BwE they claim to cover ALL non Uk licence holders A simple google search found it.

 

[TDub49]

Comfort Insurance do what they call "hire or temporary insurance" which might be worth looking at: https://www.comfort-insurance.co.uk...owners-guide-to-temporary-motorhome-insurance

 

[peterc10]

Our daughter lives in the USA with her American husband. They both have American licences only. When they come over to us we can get the son in law named on the fuuly comp insurance for my wife's car for the period they are here. We use LV and it normally costs about £20.

 

[gus-lopez]

Our daughter lives in the USA with her American husband. They both have American licences only. When they come over to us we can get the son in law named on the fuuly comp insurance for my wife's car for the period they are here. We use LV and it normally costs about £20.

yet my daughter couldn't get me with my spanish licence added to her & partners policy. Outright refusal. No idea what company they were with.

 

[Brains]

Thanks for the info. Unfortunately I no longer have my old paper UK license, it would not be valid anyway since it has our old address, and I cannot renew it without establishing 6 month residency in the UK first, so we will need to drive on our US license. I am reaching out to Keith Michaels per a previous post to get info from them.

I would simply send in a normal 'change of address' notification to the DVLA with your sisters address.

As long as you are under 70 years old then you should get a a new 'credit card' type driving licence (you will need to supply a photo)
As far as I'm aware, as long as you passed your test in the UK and have a UK address (your sister) then you are entitled to a licence