Surley if you own the vehicle you can insure at your home address? It is a legal requirment of all UK policy that there are at least 90 days of coverage in EU countries, so you'd be insured under that to bring it back. The vehicle VR5 or equivalent should be filled in for export so that when you get back to Customs and make the decleration the dreaded VAT is or is not imposed, and you are then covered to drive to home, but no futher, till English registration is obtained. Might be worth talking to an Insurance Brocker rather than a company. They have the specialist knowledge of which company can help. As for VAT, that can be arranged through the shipper. The last time I had to do that the Company rep asked me value on a 1941 Austin K3, I said well that age scrap value perhaps £200? He was quite happy and the VAT was paid , the vehicle released, and I got the hell out of Portsmouth! Katy, when I explained she was a bequest and Carol had died over a year and a day before, the reply was personal property no VAT have a safe trip.