insurance query

dilated · 26 Jan 2011 at 20:37

I live in the city centre Monday to Thursday and in the country side at the weekend.

I was shocked to find that my car insurance will be cira £350 at my weekend address and £920 in the city centre. Even though the city is secure garaged and country is driveway parking. :eek:

Sounds like an obvious question but in the eyes of the insurer which one is my main address and as long as I have the car registered to the same address that it is insured to will I have any problems?

Skilid · 26 Jan 2011 at 21:10

It's all down to statistics and risk levels.

[TW]Fox · 26 Jan 2011 at 21:12

Which address do you consider your permanent residence? Where is the car registered? Where do your bills go to? Where is all your stuff?

dsb · 26 Jan 2011 at 21:12

I'm sure you have to register the car where it will be at the most, so in your case, in the city.

Spleenus · 26 Jan 2011 at 21:17

It's not about where the car is parked most though, in the city you're more at risk also of having an accident due to the increased amount of traffic. I have to agree though it is rather annoying as moving to London put about £4-500 on my insurance even though I'm in one of the better insurance category zones in London.

dilated · 26 Jan 2011 at 22:23

[TW]Fox;18322208 said:
Which address do you consider your permanent residence?

the one with the cheapest insurance

[TW]Fox;18322208 said:
Where is the car registered? Where do your bills go to? Where is all your stuff?

Im about to buy a new car so can register to either address.

My family are in the country and stuff is everywhere - a little bit of a nomad!

All the family lived in the city pad while our house was worked on so my bills go to both addresses and are a bit of a mess.

dsb said:
I'm sure you have to register the car where it will be at the most, so in your case, in the city.

This is what I though, however as my week home is only rented I really consider the country my main house, but someone at work said that as I spend more time in the city then it is contenous with self serving insurance companies.

BinnsY · 27 Jan 2011 at 10:18

Have you considered ringing the insurance company and asking them? If you explain the situation as you have done here they might be able to offer something in the middle ground.

Peerzy · 27 Jan 2011 at 10:30

To be honest that is a pretty even split so I'd always be going with the one that saves you the most money. Even if you do spend half a day more somewhere else, it's hardly like you are giving them your parents address 500 miles away that you never visit. Take into account 4 weeks annual holiday which could be spent at the cheaper address and it'll even be the truth!

SGWills · 27 Jan 2011 at 10:55

normally they will rate upon the higher postcode as its more likely to claim whilst at that address than the other.