Cohabiting question

mattu88

Hi everyone

This is my first post but I've been referring this website as a source of information for many years and it's always been excellent

I'm hoping that you can help me with a problem I've got, regarding car insurance:

My girlfriend and I have been together for four years and live together. We mostly stay at my family home but sometimes also stay at her's. As far as I'm aware, she's 'officially' registered at her house and I'm registered at mine.

When sorting out car insurance, I explained this situation to my insurance company and they said that because we stay together each night, we are cohabiting (as far as they're concerned).

This makes both insurance policies cheaper, so I'm actually quite happy about it. I just wanted to know if anyone could foresee any negative implications of from this situation. My main concern is, effectively, being declared as living together by insurance but not in most other official ways.

Any help would be greatly appreciated.

lisyloo

Well the insurer you've spoken to seems to accept your "cohabiting" status, so that's seems fine to me. The only negative possibility I can see is the "where is the car stored" question especially if one of you lives in a more "risky" area than another. Note this means "risky" in the statistical claims sense not whether it looks like a nice place to live. Some areas can be very desireable but have high claim rates purely because there are nice cars there.
Again talk to your insurer (and I would note down who you speak to and the day and the time of the call just in case). Most likely you should put down where the car is most of the time, but ig you've confirmed it with them then they can't say you've done it wrong.

mattu88

lisyloo wrote: »

Well the insurer you've spoken to seems to accept your "cohabiting" status, so that's seems fine to me. The only negative possibility I can see is the "where is the car stored" question especially if one of you lives in a more "risky" area than another. Note this means "risky" in the statistical claims sense not whether it looks like a nice place to live. Some areas can be very desireable but have high claim rates purely because there are nice cars there.
Again talk to your insurer (and I would note down who you speak to and the day and the time of the call just in case). Most likely you should put down where the car is most of the time, but ig you've confirmed it with them then they can't say you've done it wrong.

Thank you for your comments. You're right about that also being an issue but, fortunately, I've sorted that problem out before; The insurance company confirmed that we should declare where the cars are MOSTLY kept overnight, which is my house.