Hi Howard,
It depends what era your friend is depicting in his/her model.
From 1903 - 1923 Caledonian steam packet co., pilot jack at bow, name flag (white with red lettering) above company pennant on mainmast, red ensign at stern. Name flag not always flown, sometimes just company pennant (yellow with red lion rampant).
I modelled her fleetmate, Marchioness of Lorne of 1891, and I just have company pennant & red ensign on model.
From 1923 - 1948 LMS Railway, as before but with LMS houseflag instead of Caledonian pennant. During the early 1930s she sometimes flew the red/white pilot flag under the red ensign at the stern, sometimes the pilot flag flew from mainmast about half way up.
from 1948 - 1952 BR again the same general idea, but with BR houseflag replacing LMS one.
There are no strict rules to follow here, in later years photos show the name pennant less, maybe it was flown more in summer. There are photos with no flags at all, or just the red ensign.
Worth noting that there were changes to the ships livery during these different periods, and some changes to her appearance also.
hope this helps,
Clark
