at uni.... so which address do we use for car insurance ?

Lady_K

Is there any way of finding out this postcode lottery thing without getting an actual quote for both?

pennymakespounds

lady k , don't really understand your question ?


i've noe rung a handful of companies ... there first reaction is normally "don't know" !... then they come back and say ... "must be put down as the most expensive place"

really is unfair ... for a fairly 50/50 split of time uni v home .... and in our case the uni address (london) puts about 35% on the price.

clearly though .. if you try and just do at home/cheapest .. there is every chance of a problem with claims.

to date i only know of endsleigh who acknowledge 2 addresses.

Weird when so many youngsters are in this situation of having car at uni that insurance companies don't seem in the know.

Lady_K

I meant is there any way of knowing which areas are the most expensive insurancewise without actually getting 2 quotes from each company then if you chose to go with the cheapest it wouldnt matter

My daughter had this dilema too. She had only just set up her car insurance from our home address a week before. Then out of the blue she decided to go back to uni through last minute clearing and into into halls. Shes still down with the insurance as working full time, they dont even know she changed back to student again.

She rang the insurance and said she was considering going back to uni and how would it effect her insurance. They said it would stay the same if she kept her home address, which seemed rather unfair seeing as a week earlier they were quoting her cheaper insurance from home if she was a student. I thought they would have reduced it. They said if she went into halls they would need the postcode so they could recalculate. But she thought it would be cheaper from home as being in halls is usually more risk isnt it so she just left it as it is. We also thought if anything happened to the car at the halls she could say she was staying overnight at a friends at university...

But I've been thinking and am a little concerned as shes a student nurse and on placements where she has to leave her car in the hospital grounds plus travelling there and back, if anything happened there could be problems. She could say she was visiting someone but its still better not to have that worry really so perhaps she needs to ring and change it but they charge aswell I think for changes. Also if she gets a job for a few hours either at a hospital or anywhere else she needs to be covered for that too I think

It should be easier to do this as said earlier there are so many students who live half halls half home.

aimeelister

I completely agree the system is mad. I know my uni address is in a much lower crime rate are than my parents address when i spoke to some of the loacl police (odd i know for some students but we are a rural uni) so maybe they could help. Where you park is also a big consideration on the drive is better than a big halls carpark i got told by my insurance company. On the working thing, I'm down as a PostGrad full time student but have social and commuting to work so i can get to my part-time job so that would cover me. Hope it all helps....

Savvy_Sue

LadyK, AFAIK the only way to find out which postcode would be cheaper is to get two quotes. I think the comparison sites let you save a quote which should save time when you're working out which to go for? Or you could use a broker.

However, I'd still advise telling insurance company that the car is in X place some of the time. Also, I think you're more likely to run into problems if the car is insured at home but is stolen overnight from a Uni car park than the other way round, IYSWIM.