Insurance - Which address

pigeonguyuk · 14 Mar 2018 at 14:21

Hi All,

Just wondering if I should have my car insured to my address or at my partners. I don't live with her however, I find that I do actually spend more time at hers with the car than at my own address. So which would be the best option to insure against?

DomBruv · 14 Mar 2018 at 14:53

I'm staying at my girlfriends and still have my car registered at my mums as i would imagine its cheaper. When I buy my own house in a few months i will register it there. Technically I do not live anywhere so what am i meant to put xD

MooMoo444 · 14 Mar 2018 at 14:56

DomBruv said:
I'm staying at my girlfriends and still have my car registered at my mums as i would imagine its cheaper. When I buy my own house in a few months i will register it there. Technically I do not live anywhere so what am i meant to put xD

Unless the car spends more time at your mums place, you're committing fraud.

DomBruv · 14 Mar 2018 at 14:59

MooMoo444 said:
Unless the car spends more time at your mums place, you're committing fraud.

I've committed a lot worse so I'm sure I'll be okay

Plus insurance don't care as long as they are getting money... I've wrote 2 very modified cars off before... not declared as modified.

Insurance came out to view the car as well as police (on 2 different occasions with 2 different companys) and was paid out full. Lucky and stupid i know but its just one of those things that i won't do.

I'm young and I'm sure I'll learn my lesson one day

.

pigeonguyuk · 14 Mar 2018 at 16:02

DomBruv said:
I've committed a lot worse so I'm sure I'll be okay

Plus insurance don't care as long as they are getting money... I've wrote 2 very modified cars off before... not declared as modified.

Insurance came out to view the car as well as police (on 2 different occasions with 2 different companys) and was paid out full. Lucky and stupid i know but its just one of those things that i won't do.

I'm young and I'm sure I'll learn my lesson one day .

Risky game your playing with the Mods. Police take very little interest in Single vehicle accidents. However, if another party is injured and they can prove a "undeclared mod" was the cause then your insurance will definitely be invalidated and prosecuted.

bainbridge · 14 Mar 2018 at 16:04

pigeonguyuk said:
Hi All,

Just wondering if I should have my car insured to my address or at my partners. I don't live with her however, I find that I do actually spend more time at hers with the car than at my own address. So which would be the best option to insure against?

Technically you'll need to update the postcode of where car kept to your partners, but in the event of the car being stolen from her house it'll be difficult for an insurer to prove otherwise if you say you occasionally stay over.

DomBruv · 14 Mar 2018 at 16:11

pigeonguyuk said:
However, if another party is injured and they can prove a "undeclared mod" was the cause then your insurance will definitely be invalidated and prosecuted.

Good point, and one women did get a 40k injury claim out of me but she must have never noticed my hybrid turbo and bilstine suspension

pigeonguyuk · 14 Mar 2018 at 16:17

bainbridge said:
Technically you'll need to update the postcode of where car kept to your partners, but in the event of the car being stolen from her house it'll be difficult for an insurer to prove otherwise if you say you occasionally stay over.

I suppose this is very true. I'll get a quote of change of address and see the differences in premium. As you say its hard for them to prove where the car is "most".

Semple · 14 Mar 2018 at 16:20

MooMoo444 said:
Unless the car spends more time at your mums place, you're committing fraud.

What if you spend a good 50/50 between the two properties?

I guess i'm also in a similar boat, although as i'm not registered as living at my partners, i think it would be hard for an insurance company to prove otherwise.

pigeonguyuk · 14 Mar 2018 at 16:21

DomBruv said:
Good point, and one women did get a 40k injury claim out of me but she must have never noticed my hybrid turbo and bilstine suspension

needless to say.. young drives like yourself are the reason insurance premiums are sky high. The responses are of a "I don't give a **** nature"

However, the insurance companies have no clue about the benefits of Mods unless they are specialist. I had a full exhaust and supercharge listed on a M&S policy it reduced my premium by £50. It doubles my WHP. However as soon as I mentioned suspension they wanted to increase premium from £600 to £3000. The underwriters will add a premium based on how many cars with suspension mods added involved in an accident rather that "what caused it". The whole "mods" needs to be regulated. if you do a mod and there is "proof" it improves say "handling" over manufacture spec, your premium should decrease etc

mjt · 14 Mar 2018 at 16:25

DomBruv said:
Good point, and one women did get a 40k injury claim out of me but she must have never noticed my hybrid turbo and bilstine suspension

Perhaps you should've spent the money on learning how to drive better. At least then you wouldn't have injured an innocent motorist.

DomBruv · 14 Mar 2018 at 16:31

mjt said:
Perhaps you should've spent the money on learning how to drive better. At least then you wouldn't have injured an innocent motorist.

It was not my fault actually... hence why the police left me alone, was put down to road conditions as there was oil split all over the road and the crash before that a women pulled out on me.

I got a job at one of the worlds highest ranking tuning companys purely cos they watched me drive, no joke.

MikeTheNative · 14 Mar 2018 at 16:47

DomBruv said:
I got a job at one of the worlds highest ranking tuning companys purely cos they watched me drive, no joke.

Are you sure it wasn't the sick monster decals down the side and the fart can exhaust?

grudas · 14 Mar 2018 at 16:51

DomBruv said:
I've committed a lot worse so I'm sure I'll be okay

Plus insurance don't care as long as they are getting money... I've wrote 2 very modified cars off before... not declared as modified.

Insurance came out to view the car as well as police (on 2 different occasions with 2 different companys) and was paid out full. Lucky and stupid i know but its just one of those things that i won't do.

I'm young and I'm sure I'll learn my lesson one day .

you got lucky then.

insurance often refuses payments for undeclared mods.. read some of the ombudsman insurance decisions and you'll see some seriously crazy things.. refusal due to tinted windows, floor mats, alloys in DIFFERENT colour yet standard etc.

pigeonguyuk · 14 Mar 2018 at 17:12

DomBruv said:
It was not my fault actually... hence why the police left me alone, was put down to road conditions as there was oil split all over the road and the crash before that a women pulled out on me.

I got a job at one of the worlds highest ranking tuning companys purely cos they watched me drive, no joke.

They paid her compensation so you were at fault. Regardless of the road conditions, its the divers responsibility to drive based on the road conditions and within their limits.

Iamzod · 14 Mar 2018 at 17:31

When i worked in insurance I got a call from a distraught woman with a void policy. We'd paid out over 200k on a claim & were taking her to court to recover the money if I remember correct. She was kicking off at me saying she was going to lose her house because someone had jumped on her windscreen.

She had hit a pedestrian on a crossing in a car we wouldn't have covered due to mods basically.

Not worth the risk.

Scania · 14 Mar 2018 at 17:34

Often wondered about this, I should maybe declare my employer as my cars main residence - it’s often there from Monday to Friday without moving - then I’ll maybe spend the weekend at my partners so sometimes it’s not at my home address for well over two weeks!

Raymond Lin · 14 Mar 2018 at 17:37

What if I am a consultant who works aboard a lot and the car often spends 2 weeks at a time at the airport car park? Then I am back for 1 day before away again for 2 to 3 weeks?

/just curious….

Iron-man · 14 Mar 2018 at 17:44

I always thought a car is supposed to insured to its registered address i.e. where you live. If you stay at your girlfriends sometimes but that isn't where you live then I wouldn't insure it there

Cookeh · 14 Mar 2018 at 17:45

Raymond Lin said:
What if I am a consultant who works aboard a lot and the car often spends 2 weeks at a time at the airport car park? Then I am back for 1 day before away again for 2 to 3 weeks?

/just curious….

Should be covered if you have commuting on your policy.