Insurance questions - Is this legal?

lemonade · 15 May 2011 at 18:51

Couple of quick question regarding Insurance.

1) Is it legal to be insured on a car as the main driver if the owner of the car is different on the V5. So for example lets say a car is bought in my Dad's name, but I am the main driver and insured as the main driver and my Dad does not drive the car at all and we both have different registered addresses.

2) Is it legal to have your home address different to the one where the car is parked during day and night. So for example I live in X house, but the car is parked near y house.

3) Is it legal to put my home address as X and live there and park there also, but your registered as living in Y?

That's all folks.

Cheers

Dabbles · 15 May 2011 at 19:00

lemonade said:
1) Is it legal to be insured on a car as the main driver if the owner of the car is different on the V5. So for example lets say a car is bought in my Dad's name, but I am the main driver and insured as the main driver and my Dad does not drive the car at all and we both have different registered addresses.

Yes, as long as the insurance know that it is in your dad's name (in my experience they usually ask) and where the car is usually kept overnight. IE your house.

lemonade said:
2) Is it legal to have your home address different to the one where the car is parked during day and night. So for example I live in X house, but the car is parked near y house.

Not illegal, but it might void your insurance if they find out. Then you could be in trouble.

lemonade said:
3) Is it legal to put my home address as X and live there and park there also, but your registered as living in Y?

I don't quite understand your question.

lemonade said:
That's all folks.

Cheers

You're welcome!

PikeyPriest · 15 May 2011 at 19:09

lemonade said:
2) Is it legal to have your home address different to the one where the car is parked during day and night. So for example I live in X house, but the car is parked near y house.

I thought a lot of insurers ask for registered address and where the car is kept at night, which might cover this, though im not 100% sure.

lemonade · 15 May 2011 at 19:11

Cheers.

Not illegal, but it might void your insurance if they find out. Then you could be in trouble.

But on the Insurance sites they allow you to select a different postcode to your home where your car will be kept.

I don't quite understand your question.

To give an example.

Lets say I am registered as living in X house and paying rent their, get some of my bills there, etc.

But I have another home where I live most of the time, lets say a family home or something and I put the address of this house on my insurance, both as my address and as the address where the car will actually be kept at.

Gribs · 15 May 2011 at 19:23

lemonade said:
But I have another home where I live most of the time, lets say a family home or something and I put the address of this house on my insurance, both as my address and as the address where the car will actually be kept at.

It's not unusual to keep a car at a different address than the one you get post sent to, but you need to tell the insurer where the car will be kept truthfully.

lemonade · 15 May 2011 at 19:32

Gribs said:
It's not unusual to keep a car at a different address than the one you get post sent to, but you need to tell the insurer where the car will be kept truthfully.

Cool, that should be fine then!

SGWills · 15 May 2011 at 20:29

with the address, you can get your mail sent to a different address but the risk address , where the car is keep, needs to be accurate otherwise the insurance would be invalid as where the car is kept is a major rating factor

lemonade · 15 May 2011 at 22:45

SGWills said:
with the address, you can get your mail sent to a different address but the risk address , where the car is keep, needs to be accurate otherwise the insurance would be invalid as where the car is kept is a major rating factor

Cheers, so where the car is mainly kept at is pretty much the main thing and not the place where you may sleep at

SGWills · 15 May 2011 at 22:47

exactly, for example you might buy yourself a garage separate to your place of residence, so they would put your mail address to where you reside and the risk address to where the garage is, that why then they are rating on the postcode of the garage not the postcode of your residence