Sorry to post as an armchair Italian with absolutely no knowledge of your obscure insurance policies up in the UK, however I was sure that having your vehicle insured in your home country entitles you to minimum third party liability throughout the EU, the 90 days stuff is supposed to be just for break down cover and other niceties...
Of course I'm probably wrong, however that is what applies to us italians, and I believe there are EU directives on the matter.
Again, sorry if I'm just being confusing.
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