Car insurance question re: address

owen22

Apologies if this is a noobish question but I have never owned a car (I live in London!) and so have also never insured a car before...

I am borrowing a family member's car over the Xmas period as she has bought a new car and will not be selling her old one until January.

I will be picking the car up from the car owner's house in Norfolk, driving it to Devon for a few days and then driving it back to London where I will also use it for a few days.

When obtaining a quote for temporary insurance what do I put down as the address? (the particular site I am using doesn't specify whether the address they are asking for is the address of the owner, the person obtaining the insurance or the address where the car will be based)

I don't want to void the insurance by putting down incorrect information but I also don't want to increase the price (unnecissarily) by using my home address in London.

Obviously I also don't want to do anything that could be construed as fraud!

I'm sure this must be an easy question to answer so thanks for your help (and patience!)

O.

vusys1

is the car still insured? couldnt they add you as a temp additional driver? might be cheaper

owen22

vusys1 wrote: »

is the car still insured? couldnt they add you as a temp additional driver? might be cheaper

No, there's currently no insurance on the car...

dogbot

No, there's currently no insurance on the car...

I hope the car isn't on the road then!

Call the company(s) you are getting quotes from rather than just go on the web and ask. I suspect though that it will be your home address in London.

rev_henry

I suspect the price won't be any different for the different addresses. It probably only makes a difference to the premium if you're getting proper insurance for the year. So it could hardly be construed as fraud and you shouldn't worry.

bouncydog1

rev_henry wrote: »

I suspect the price won't be any different for the different addresses. It probably only makes a difference to the premium if you're getting proper insurance for the year. So it could hardly be construed as fraud and you shouldn't worry.

What evidence do you have to support the "hardly be construed as fraud" comment? Addresses are a material fact in underwriting and the OP should contact an insurer directly for a quote giving all of the information.

OP - suggest you disregard the "advice" given by Rev H.

oscarward

Two thoughts.

How close a relative is the owner. Some insurers won't insure unless the car is registered in your or your partners name.

Try a broker, they should know the terms on which insurance will be supplied and who will supply.

It may be your relative will have to take short term insurance in her name with you as a named driver?

rev_henry

bouncyd!!! wrote: »

What evidence do you have to support the "hardly be construed as fraud" comment? Addresses are a material fact in underwriting and the OP should contact an insurer directly for a quote giving all of the information.

OP - suggest you disregard the "advice" given by Rev H.

The Fraud Act defines fraud (by false representation) as making a false representation dishonestly knowing that it might be untrue or misleading with intent to make a gain for himself or another, to cause loss to another or to expose another to risk of loss.

The OP is not intending to make any gain to himself or to cause a loss to an insurer, and indeed the insurer will NOT lose out if the premium doesn't depend on address, therefore its not fraud. End of story.

bouncydog1

The OP doesn't want to pay more by using his address in London if the insurance is cheaper by using the Devlon address. Using an address in Devon will be significantly cheaper than London so it is a material fact.

That is why he needs to ensure that the underwriter is fully aware of all of the facts and then the underwriter will make the decision as to what the premium should be.

vikingaero

You put down your address in London where you live. Who owns the car and where you're holidaying is irrelevant as that's the whole point of temp insurance - it covers you for someone elses car.

rev_henry

bouncyd!!! wrote: »

The OP doesn't want to pay more by using his address in London if the insurance is cheaper by using the Devlon address. Using an address in Devon will be significantly cheaper than London so it is a material fact.

That is why he needs to ensure that the underwriter is fully aware of all of the facts and then the underwriter will make the decision as to what the premium should be.

Yes but what I am saying is that the address probably won't make a difference to the premium for a temp policy.