You know, I never thought I would find myself saying this - but can see the insurers' point of view!
It comes down to the fundaental difference in UK insurance, in that in the UK (I believe uniquely in Europe) it is the driver who is insured, and not the vehicle. I can lend my Iti reg car to anyone - even a youngster - and it is covered (though the youngster will have a considerable 'excess' imposed if he has an accident).
So - you take your UK reg car abroad and a 20 year old youth to whom you have lent it crashes it. If the UK cover has to be exended into Italy, can the UK insurers impose an owner only driver clause? I very much doubt it.
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