How the hell do I get my car back to the UK?

[danielsprague]

I'm a British citizen driving a British registered car. I've been out of the EU for 3.5 years, and I've just returned. And the nightmare begins, straight away. I am sitting at the Estonian border (Navra) with a car that no-one will insure.

Basically, I can't buy insurance here as they will only insure Estonian cars. The same story on the Russian side of the border. I seem to fall into a bit of a grey area with the DVLA as the car is not permanently exported from the UK, as I have not formally become resident in any other country.

Trying to get insurance from the UK seems just as problematic... there's always some catch..

-limited EU cover,
-won't insure a vehicle over 15 years (it's 17)
-won't insure me as I have no NCB
-won't insure a vehivle which is outside the UK.

There seem to be foreign companies out there which insure EU vehicles (e.g. ADAC in Germany), but I have to apply there in person.

So, is there any way to insure my car? Right now, I'm just making a quick dip into the EU. I will probably end up leaving the car here at the border and going for a few weeks to Poland, but next year I will have to go back to the UK, with the car. With the car not taxed, no MOT, it looks like I have no means to legally return with it.

Daniel