One thing which surprised me when I first got an insurance in Ireland is that the drivers are insured and not the cars. In Ireland (and probably also in UK) you must declare which people are driving which cars and, as you said, you have to declare your occupation, where the car is parked overnight, if you are commuting to work, etc. In most European countries including Italy cars are insured and not the drivers, and this means that anyone who has a valid driving licence can drive any car without problems and you do not have to tell insurances all the information above because they only need the registration of the car and the details of the person who is buying the policy but they do not even need to know the details of the driving licence. I go back to my parents in Italy once a year and I drive my dad's Toyota without any restrictions and the same when I go to Slovakia to my wife's relatives and I drive my mother-in-law car.