My insurance is up for renewal and that concentrates the mind!

A few years ago I had a problem when my LR was off the road because of an
accident. It was insured for private use. The courtesy car provided by the
insurers was totally inadequate but they would not agree to change it.

I needed to use the trailer so attempted to hire a suitable vehicle. The
companies hiring commercials (Transits actually) said their insurers would
not insure someone who was already insured. They would accept commercial
insurance but not private. So they could not hire to me.

I then tried the car hire companies (some even hiring 4X4's) but none have
a tow hitch. I gather this is normally policy.

In the end, I just bought another LR, in a hurry, which is not the way to
buy anything!

Is there a solution to this problem short of taking out insurance for
"commercial use"? I am very reluctant to do this because (a) I am retired,
and (b) the LR is never used for commercial use anyway. I just need to know
I can hire a vehicle which will tow a trailer when I need to!

Any ideas? I did post a similar query when my previous LR was off the road
and I don't think anyone suggested an effective solution then. I really
cannot see why it is a problem, but the insurance companies obviously can!
It would help if I at least knew why! (I suppose I could always buy a
second Land Rover...Now there's a thought!<g>).

Derry