Insurance at address #1, kept overnight at address #2 save 60% insurance - legal?

Trebor16

photome wrote: »

Is that fact or a guess

It would become a fact in the event of a claim if the insurance company find that the OP lives at address #2 and has the car registered there.

verityboo

just looked on one comparison site to see what it asked -

"Please enter the postcode for the address where correspondence, including policy documentation, will be sent.
If you are having problems with your postcode not being recognised, please make sure that you have not used the letter ‘O’ as the number zero.
Please note that we can only quote for addresses in the UK."

They do not stipulate that you need to live there, its just a correspondence address. I can't see that the OP would be falsely declairing anything

Trebor16

lostsheep wrote: »

Er, yeah. Trebor, you might be right, but we're still not seeing any reason for it - he's not lied or omitted to mention the usual location for the car, so surely it's all hunky-dorey?

If you think it is hunky dory to be living at an address, be on the electoral roll at the same address, paying utility bills and council tax but insuring the car at another address to get a lower premium, even whilst stating that the car is overnighted at your actual address, then go ahead and try it and see what happens when you make a claim.

Trebor16

mikey72 wrote: »

The onus is on the insurer to ask the right questions.
http://www.fsa.gov.uk/pages/consumerinformation/product_news/insurance/price_comparison/index.shtml

Even more so if you go though a comparison site, so they can't wriggle out if they aren't clear, the FOS will make them pay up if you have answered the questions asked, truthfully.

There's no obligation to chase the insurer if they don't ask.

Once you have the quote via the comparison site you always have to go through the insurers own site to buy the policy. You make a declaration that the information given is correct. If you have not supplied the correct information then you have made a false declaration and it is game over.

mikey72

Trebor16 wrote: »

Once you have the quote via the comparison site you always have to go through the insurers own site to buy the policy. You make a declaration that the information given is correct. If you have not supplied the correct information then you have made a false declaration and it is game over.

The op isn't supplying incorrect information.
He's supplying truthful answers to the questions asked.

mikey72

Trebor16 wrote: »

If you think it is hunky dory to be living at an address, be on the electoral roll at the same address, paying utility bills and council tax but insuring the car at another address to get a lower premium, even whilst stating that the car is overnighted at your actual address, then go ahead and try it and see what happens when you make a claim.

That's exactly what I did as a student actually.
Paid all the utilities, paid the council tax, paid the rent there 12 months of the year, but had car documents sent to my parents, and kept the V5 registered with their address as well.

neilmcl

mikey72 wrote: »

but had car documents sent to my parents, and kept the V5 registered with their address as well.

But as my earlier post asked, is this allowed? Surely the car must be registered at the address it's being kept, which I'd imagine is the assumption that the insurers are making.

Trebor16

mikey72 wrote: »

That's exactly what I did as a student actually.
Paid all the utilities, paid the council tax, paid the rent there 12 months of the year, but had car documents sent to my parents, and kept the V5 registered with their address as well.

As that was several decades ago I think you will find things have changed somewhat.

rev_henry

IMO its fine what you want to do. If you really wanted to you could put yourself on the electoral roll at your parents address to give you some kind of official presence there. Yes you can be on the electoral roll in 2 places just as long as you don't vote twice.

pinkteapot

mikey72 wrote: »

The op isn't supplying incorrect information.
He's supplying truthful answers to the questions asked.

When you take out insurance online you also have to tick boxes to declare that you've supplied all relevant information (even if it wasn't asked for).

The only way OP could guarantee that his insurance was legitimate would be to phone the insurer and have them confirm that they would be happy with the situation. Take a note of the date, time and person he/she speaks to and get a reference number for the call if possible.

Otherwise the risk is that they will dig around for details if OP has an accident and refuse to pay out or, worse still, declare the policy void from inception meaning that OP will have been driving uninsured.