Different "overnight" postcode for car insurance to home address

anewman

I'm not looking to commit insurance fraud in anyway. As you can see below these are quite sizeable differences for simply changing the postcode you park at overnight.

£460 for my home postcode. I previously declared this as the postcode parked at overnight. I have had my car vandalised here a few times in the past and would prefer to park elsewhere, particularly as the newer car would presumably attract more vandalism.

Another postcode 10 minutes walk away where I'd be happy to leave the car overnight would be £400.

My Girlfriend's postcode (220 miles away from home) is £280. Now I have spent lots of time there and my car has probably been parked there at least 50% of the whole of last year, although has also been parked at my home address whenever it hasn't been there. I am planning to move into this general area soon anyway, so even if I did stump up £460 now, I hope there'd be a partial refund.

Does anyone think there would be any repercussions from putting my Girlfriend's postcode in, bearing in mind it is over 200 miles away from my home address?

Thanks in advance for any thoughts.

huckster

Yes there could be repercussions. If you needed to claim and Insurers found out, they could turn down the claim due to false information being declared.

anewman

huckster wrote: »

Yes there could be repercussions. If you needed to claim and Insurers found out, they could turn down the claim due to false information being declared.

Is it false information if it genuinely will be parked there at least 50% of the year though?

Arguably I would be providing false information if I gave my home postcode then never parked there. The only difference that way around is the policy would cost more. I am sure the insurers provide the ability to give a different postcode because they recognise people may not necessarily leave their car at home overnight.

huckster

When you arrange Insurance they ask you where the vehicle is kept.

If you had a claim, they could ask you to provide documents e.g. driving licence, V5 registration documents.

If the address on the Insurance is different to these documents, you would have some explaining to do.

anewman

huckster wrote: »

When you arrange Insurance they ask you where the vehicle is kept.

Which can be different to the home address provided.

huckster wrote: »

If you had a claim, they could ask you to provide documents e.g. driving licence, V5 registration documents.

If the address on the Insurance is different to these documents, you would have some explaining to do.

The address of the vehicle owner would precisely match the home address provided to the insurers (I am not planning to provide a false home address). The only difference would be the "kept at overnight" postcode, which is separate to home address.

Quote

If it's 50/50 the insurers would rate it on the more expensive postcode anyway.

Just bite the bullet and pay up. Fair enough if you actually move, but until then there's not much point prejudicing your cover for one pound a week. Neither is there much point in wasting four days walking to and from your car over the year. Unless you're on a health kick?

anewman

Quote wrote: »

Neither is there much point in wasting four days walking to and from your car over the year. Unless you're on a health kick?

There is if you want to avoid potentially thousands of pounds worth of vandalism, not covered by insurance anyway.

Quote wrote: »

If it's 50/50 the insurers would rate it on the more expensive postcode anyway.

Not based on the quotes I have been given, a substantial £180 saving (£3.46 per week).

Posters seem to think I am trying to get cheaper insurance by being dishonest? which is not the case! I'm not trying to be dishonest, simply to make the most possible of the truth! Why give my home postcode for the sake of it and pay £180 more if I will be mostly parked elsewhere (where the risk is much lower)! If I am asked where I park my car overnight what's wrong with being honest and giving the postcode where it is mostly parked overnight? I've given my home address so they know the risk for that postcode, I have given the location it is mostly parked so it's hardly being dishonest. If google had actually updated their satellite view in the past 2 years for the area, my car would be on there outside the GF's house.

After moving I would of course provide the postcode at which I had moved to, even if it cost £1000 more, as that would be where I would be parking then. I would then no longer be parking away from the house to avoid vandalism or because I happened to be staying elsewhere. The postcode would reflect where the car is mostly parked.

The reverse of the argument is why should I be expected to pay more if I am mostly parked in a lower risk area.

I'll bet most will think this http://www.moneysavingexpert.com/insurance/car-insurance-job-picker/ is wrong too

dogbot

thousands of pounds worth of vandalism, not covered by insurance anyway.

Vandalism is covered by a fully comprehensive motor insurance under the damage to own vehicle section - malicious damage.


I don't think you are being dishonest and completely understand your thinking, but must repeat what has been said above, the insurer will rate on the highest risk postcode.

You are best to get some quotes and then call some of the most competitive insurers and discus your circusmtances with them and try to pursuade them to offer you some further discount etc based on the fact you spend a lot of your time at your partners home.

Then move, sooner rather than later!

80schick

I too have a different home address to where the car is parked and its split about 50:50 where its parked. I say its parked outside where I live - although I do sometimes put it in a locked "blocked" garage. I am assuming that parked out in a public place by the property is a higher risk than the garage so I haven't mentioned anything to the insurers about it. When I was with the AA once, I asked them and they said to put down where its parked the majority of the time (at that time they could not put down two addresses) but also pick the highest risk.