I've now spoken directly to Progressive on the phone - and told them my exact plans (I don't want to risk having a problem with providing false info) - turns out they will provide cover to 'foreign tourists' - provided you have a bona fide address in the US to give them.
I still have to take out a 12-month policy - but they also said that if I paid two quarterly instalments and then cancelled the cover after 4 months- they would refund any extra I'd paid - minus a $30 dollar admin charge. So it's going to be $188 for the first 3 months, then $193 for the next 3 months - but when I cancel after 4 months I'll get $114.75 back. Thus total cost to me for the 4 months is going to be: $266.25. A much better deal than the $600+ mc/express are quoting for the same time period.
And - this is all above board and includes roadside assistance too!
Don't know how to get similar cover for $95!? But I'm pretty happy to pay the $266.25 for peace of mind for having a fully legit policy.
Got medical/travel cover from 1stop - which is another £135 - but provides up to £10,000,000 of medical expenses - which I sincerely hope will be enough (Though I'm hoping not to have to incur any medical costs...obviously!)
Cheers,
Eryl
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