I've entered Andorra numerous times, heading both north and south, and have not noticed any insurance booths near the border crossings.
Best suggestion I can offer is that your friend contact his or her insurance company and inquire if they can add Andorra to his coverage - either permanently or just for a short period of time.
If it turns out that this cannot be done, just skip Andorra. Honest to goodness, there's really nothing to see there that you can't see somewhere else along the Pyrenees on either the French or Spanish side.
Andorra is basically a cut rate gas station & cigarette store stuck in the middle of the mountains. It's very urban, meaning, to traverse through it from one side to the other is nothing but city riding and stoplights 85% of the time. There is an interesting ride up a mountain at the north end if you elect to take the mountain road rather than paying about 5 Euro to go through the tunnel, but you can find lots of other interesting mountain roads in the Pyrenees, and that mountain ride at the north end of Andorra can be awfully cold unless you happen to hit it on a very hot summer day.
Michael
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