Another Insurance Question.

mast3r

mast3r

mast3r

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Joined
28 Jan 2007
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Location
Wilmslow, Cheshire
Having Recently purchased my Focus ST, the insurance for my postcode was £1400 ISH.
If i put in my Grans Postcode the premium comes out at £580.
I spend 3 days a week up at my Grans so i insured my car at her address, this is legal to do isnt it?

Does my car also have to be registered at the same address?
 
You can do anything you like they never ask you to prove it when you buy the policy only when you claim, it's your risk and highly likely to be a get out clause for them when you want to claim
 
3 out of 7 days a week means to be legal, if you read the t&c they ask for any information that may influence their decision to cover, so you would have to advise them that the car is kept at two address, then they will decide for themselves which address is needed, the car should be insured at the high priced address, its a bit like saying a police officer is a low risk, i do neighbourhood watch 3 times a week.

the car itself thou doesnt have to be registered to the same address
 
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I'm not 100% sure on legalities and what to do or what not to do. However, I know that insurance companies can be like vultures and can drill down on substantial claims to find a way of getting out of paying.

I'm also not very risk orientated so paying the main premium on where I actually live would be what I would do. If all documents (license, bills, bank statements, etc) are all to your £1400 address then that is where you live tbh. If not then its your Grans and you save some money!
 
where are you registered on electoral register ?

I would imagine that could be worth making sure it matches as well as the car reg document and your driving license
 
I wouldn't do it unless there's no way to trace you to your £1400 address (V5, licence address, electoral roll, bills, etc.).

edit: just beaten to it :p


Youre asking for a whole world of trouble if you ever need to put a significant claim through.
 
Ok guys, thanks for the heads up.
I have recently moved out of my parents into a new rented place and have not changed any of my address, this would be the same sort of thing... i have nothing to tie me to this address. i think ill call the insurance in the AM.
 
I would imagine that if it got broken/crashed into at your own place and they investigate it a bit you may not have any insurance....
 
I work for an insurer, if i had you on the phone i'd tell you that we need to have your vehicle down as being kept at the higher rated of the two postcodes, especially as you only spend 3 nights a week at the other one.
 
Iamzod said:
I work for an insurer, if i had you on the phone i'd tell you that we need to have your vehicle down as being kept at the higher rated of the two postcodes, especially as you only spend 3 nights a week at the other one.
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Because he only spends 3 nights a week at the other one not 'especially as', surely? What other justification would you have? :confused:
 
i have a mixed view on this now, i feel that it would be down to a "What can you prove" case.
With my car being the single most expensive thing i own, i am now feeling like i should be making sure this policy will raise no questions should i ever need to claim.
 
Jono8 said:
I would imagine that if it got broken/crashed into at your own place and they investigate it a bit you may not have any insurance....
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Depends how much the car is worth. If you really, honestly do spend a significant amount of time at your Gran's address, then so be it. If your car gets damaged when at your address however, they might not pay out. Is this worth £820 on your motor?
 
[FnG]magnolia;17320788 said:
Because he only spends 3 nights a week at the other one not 'especially as', surely? What other justification would you have? :confused:
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Well, the info we got given in training and the info from underwriting also instructs us to do so. Theres going to be an increased risk of a claim to us than the policy holder is paying for, therefore we rate the policy on the highest risk of the two postcodes.

It also gives the people in claims a reason to void the policy in the event of a claim.
 
Iamzod said:
I work for an insurer, if i had you on the phone i'd tell you that we need to have your vehicle down as being kept at the higher rated of the two postcodes, especially as you only spend 3 nights a week at the other one.
Click to expand...

my cars are all registered to my house in cornwall, I went out of my way to discuss this with my insurer (admiral multi car) and explained I spend 4 months in cornwall, 4 months in London and 4 months in France (covered by NFU) every year - they were happy to make my fixed abode my home in cornwall.

the saving between the two postcodes is in excess of £2000 worth of premium! :eek:
 
Will Gill said:
my cars are all registered to my house in cornwall, I went out of my way to discuss this with my insurer (admiral multi car) and explained I spend 4 months in cornwall, 4 months in London and 4 months in France (covered by NFU) every year - they were happy to make my fixed abode my home in cornwall.

the saving between the two postcodes is in excess of £2000 worth of premium! :eek:
Click to expand...

i would imagen this is down to circumstance as you got more than one car and most probably the cars are used for different purposes, normally with one car i dont think this would be the case
 
Will Gill said:
my cars are all registered to my house in cornwall, I went out of my way to discuss this with my insurer (admiral multi car) and explained I spend 4 months in cornwall, 4 months in London and 4 months in France (covered by NFU) every year - they were happy to make my fixed abode my home in cornwall.

the saving between the two postcodes is in excess of £2000 worth of premium! :eek:
Click to expand...

Different rules for different insurers I guess, we'd have declined cover as you spend more than 3 months a year out of the country anyway.


The thing is though, you have covered yourself by discussing it with your insurer, if you've given them all the relevant info and they are fine with it then in the event of a claim they have to honour their agreement with you. It's always best to just be straight with them, give them all the relevant info and let them decide what to do with it then you won't be screwed in the event of something bad happening.
 
question is..

if your car gets stolen from your actual main address, do you have a plausable reason to give them as to why it wasnt your main address on the policy

If they can screw you out of a claim they will do, especially if you paid £800 less on the policy than they believe you should have done
 
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