@Michael *******
both driver's . went through the tests and passed . no cheating . as you may suggest .
insurance , you pick up your own company like you'd do in the west .I don't see where there could be any problem .
quite cheap too for a good third party coverage in case of accident .
in Chiang Mai you can go and see Ben , at Pantip plaza .4th floor . he does insurance for foreigners . it's his job . good helping guy