Posted: Wed Dec 30, 2020 11:01am
We are Spanish Residents with Spanish licences.
We have a UK address and cars.
Our UK cars were/are insured with Admiral.
When our changes took effect, my wife phoned Admiral and explained. They issued a change notice on the (multi-car) policy .... "change of licence". So we seem to be OK.
But another member of this forum has indicated that she tried the same thing with Admiral, and was rejected.
On a partially related point, we rent a flat out in the UK. We have non-residents' landlords insurance. When our policy came up for renewal a few weeks ago, our broker (A-Plan) warned us that they might not be able to renew again next year, due to Brexit. So things seem to be getting more difficult - I assume insurers are considering the costs and deciding if the business is worth it.
Back to cars/licences .... with Spanish licences, you can drive your own UK cars in the UK, but you can't drive your own UK cars in Spain.
You can drive your own Spanish registered car in the UK.
Edit ... Liberty Seguros (a Spanish Insurer) will insure your UK-registered car. We did this with 2 UK-plated cars that we brought with us to Spain. We stayed with them after the cars were re-registered in Spain.