Insurance companies only want to insure the lowest risks. For years I have looked for a company to cover me driving any vehicle, why because at different times of the year I need different vehicles. I do not need my motorhome insuring 12 months of the year. I do not need my 4 x 4 12 months of the year, Ideally I would like an insurance with a company that allows change of vehicle a few times a year. When not in use my vehicles are kept on private land at my risk so why should I have to take out umpteen insurances. I drive ford escort van for economy most of the year, during April till october have a motorhome on the road as well, then from Oct to March a 4 x 4, why do I need three policies, the cost is crippling and it has to change or give up. So anyone recomend a company who will allow vehicle changes between motorhome and 4 x 4 at a reasonable rate. Over all milage is under 5000 per year.