" The 90 days is the maximum period in any one policy year that they will insure my car for continental use; so although my policy runs until after the planned return to UK date of 1 December 2014, and will continue to be insured in the UK, there will be a two month or so period in Spain where the car won't be insured." You have either misunderstood , unlikely, or they have phrased it in such a way as to make you think you will have 'no insurance'. You cannot have " no insurance" unless they specifically write to you cancelling it. You will always be insured , It is the law , they are required to cover you for the minimum road traffic acts , as a legal requirement.
" Prudential has told me that I can now legally have two car insurance policies running on the same vehicle as long as I agree to only make claims on one of them," even if it was in writing. " I don't want to drive the car in Spain for two months uninsured because as sure as eggs is eggs, that's the time period when I will have the need to make a claim." Hope PoR's not reading this !. Our website is completely free for you to use but we may receive a commission from some of the companies we feature best car insurance company for young adults.