Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • apitt1993
    • By apitt1993 15th Mar 17, 11:30 PM
    • 4Posts
    • 0Thanks
    apitt1993
    Car insurance overnight address
    • #1
    • 15th Mar 17, 11:30 PM
    Car insurance overnight address 15th Mar 17 at 11:30 PM
    I am currently living at home (with parents), however in a couple of weeks i am due to move out and at my new address my insurance nearly triples.

    As my car is registered at my parents address and my mother is an additional driver, is it illegal to leave it insured at this address and put the overnight address as my new house?

    It saves me a lot of money and isn't really bending the truth too much. I just want to be sure that the car is legally insured.

    Thanks in advance!
Page 1
    • DCFC79
    • By DCFC79 15th Mar 17, 11:44 PM
    • 30,131 Posts
    • 19,070 Thanks
    DCFC79
    • #2
    • 15th Mar 17, 11:44 PM
    • #2
    • 15th Mar 17, 11:44 PM
    Ask the insurers tomorrow.

    Does the area have a high crime rate ?
    Last edited by DCFC79; 15-03-2017 at 11:47 PM.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • apitt1993
    • By apitt1993 16th Mar 17, 12:15 AM
    • 4 Posts
    • 0 Thanks
    apitt1993
    • #3
    • 16th Mar 17, 12:15 AM
    • #3
    • 16th Mar 17, 12:15 AM
    The area that its classed as does but the house is right on the outskirts, i was surprised it was classed as this area
    • Morph4610
    • By Morph4610 16th Mar 17, 7:49 AM
    • 88 Posts
    • 33 Thanks
    Morph4610
    • #4
    • 16th Mar 17, 7:49 AM
    • #4
    • 16th Mar 17, 7:49 AM
    apitt, what you're suggesting isn't illegal but it could render your insurance invalid if you have a claim. Best advice is to shop around for your new address to find the best deal.
    • Aretnap
    • By Aretnap 16th Mar 17, 9:34 AM
    • 2,785 Posts
    • 2,250 Thanks
    Aretnap
    • #5
    • 16th Mar 17, 9:34 AM
    • #5
    • 16th Mar 17, 9:34 AM
    As my car is registered at my parents address and my mother is an additional driver, is it illegal to leave it insured at this address and put the overnight address as my new house?
    Originally posted by apitt1993
    Your policy terms will (almost certainly) require you to inform them of any change of address immediately. Failing to do so could invalidate your policy.

    That said; insurers will normally want to know two things: an address to use for correspondence, and the address where the car is usually kept overnight. For most people these addresses will be the same. However if you prefer to have correspondence sent to your parents' address there's no reason I can think of why you shouldn't - so long as you tell them that it will normally be kept at your new address. If that saves you money then great, though I'd have expected them to price primarily on the address where it's kept overnight.
    • Blibble
    • By Blibble 16th Mar 17, 10:38 AM
    • 212 Posts
    • 95 Thanks
    Blibble
    • #6
    • 16th Mar 17, 10:38 AM
    • #6
    • 16th Mar 17, 10:38 AM
    I wouldn't risk it; at the end of the day it's concealing a material fact. The primary named driver has the car registered to a different address, and this clearly changes the level of risk for the insurer as the price triples.

    I'd have thought it better to be safe than sorry, and shop around for insurance elsewhere factoring in the necessary cancellation charges / outstanding premiums if applicable for the present insurer.
    • Placitasgirl
    • By Placitasgirl 16th Mar 17, 1:25 PM
    • 228 Posts
    • 389 Thanks
    Placitasgirl
    • #7
    • 16th Mar 17, 1:25 PM
    • #7
    • 16th Mar 17, 1:25 PM
    Insurance is one of those areas where "bending the truth" even to the smallest degree is likely to end up with you in a world of pain if you ever need to claim. It's likely that if you insure the vehicle at one address but keep it at another overnight your insurance would be invalidated were this not declared when making the proposal and buying the policy. This would not only mean that your claim would not be paid, but your insurance may be cancelled (making it extremely difficult and expensive to find insurance, and not only car insurance, elsewhere in the future) and you would technically be committing insurance fraud.

    It's vital that you're open and honest in all information you provide when purchasing insurance. Information is shared and the small amount you might save by "bending the truth" is nothing compared to any loss you may suffer if this came to light or in the event of any claim.
    • apitt1993
    • By apitt1993 16th Mar 17, 3:43 PM
    • 4 Posts
    • 0 Thanks
    apitt1993
    • #8
    • 16th Mar 17, 3:43 PM
    • #8
    • 16th Mar 17, 3:43 PM
    Hi, thanks for the reply. I have actually had a quote that states the car is insured and my parents and kept overnight at the new address. Is that not telling them the truth? Or is that still not being honest?
    • Placitasgirl
    • By Placitasgirl 16th Mar 17, 3:56 PM
    • 228 Posts
    • 389 Thanks
    Placitasgirl
    • #9
    • 16th Mar 17, 3:56 PM
    • #9
    • 16th Mar 17, 3:56 PM
    It's correct at the moment but you'll need to advise your insurer when you move to your new address so that the policy details are always current and correct. Don't forget to update them as soon as you move as it could cause you problems if you do!
    • rs65
    • By rs65 16th Mar 17, 6:49 PM
    • 5,254 Posts
    • 2,488 Thanks
    rs65
    Hi, thanks for the reply. I have actually had a quote that states the car is insured and my parents and kept overnight at the new address. Is that not telling them the truth? Or is that still not being honest?
    Originally posted by apitt1993
    There is no such thing as 'insuring a car at an address'. As pointed out above, you are asked for your address and the address the car is kept at. Tell the truth.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

133Posts Today

2,323Users online

Martin's Twitter
  • RT @LordsEconCom: On Tuesday Martin Lewis, Hannah Morrish & Shakira Martin gave evidence to the Cttee. Read the full transcript here: https?

  • Ta ta for now. Half term's starting, so I'm exchanging my MoneySavingExpert hat for one that says Daddy in big letters. See you in a week.

  • RT @thismorning: Can @MartinSLewis' deals save YOU cash? ???? https://t.co/igbHCwzeiN

  • Follow Martin