Maybe you need to write the app and build the product behind it that lets people insure any vehicle for any journey and any amount of time with the proviso that

Maybe you need to write the app and build the product behind it that lets people insure any vehicle for any journey and any amount of time with the proviso that it is not your vehicle and that the vehicle is otherwise insured and road legal. If the process was no more thought involving than paying for parking. The business logic behind the insurance could be very different, a lot would be known about the journey to be undertaken, the app could be recording what really is happening, with a source of crash sensors and satnav it should be possible to identify what happened in ways current insurance can't do. You could make it so an app has to run during a one-off insurance permit, you could not do that for normal insurance. You could get different rates for different cars that you can borrow, therefore if making a big one-off journey it might pay to borrow the eco-mini-car instead of something flash. Going into town then the sportscar might be worth the higher rate as the journey could be short. So you could end up borrowing different cars. Now if you allow some charge back to the owner 'profit' then people just might have a fair incentive to lend you their vehicle. The app could even tell them how many pennies they are to earn.