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

Honeydog

Darkhorse - I realise this is slightly different to your situation but some info might be relevant so I'm posting it.

Some years ago I had a car registered and insured from my parents house even when I was living and working in London. I estimate that my year was spent approximately 20% at home and 80% in London. I was on the electoral roll at home.

During that time I made a claim. The accident happened in London but the repairs were done at home (was just easier and I tended to use that garage for services anyway).

Nothing happened. They never questioned anything. Claim went through without any problems.

Before any of the usual suspects starts. THERE WAS NO ATTEMPT AT FRAUD. THE PREMIUMS AT THAT TIME WERE COLLECTED BY AN INSURANCE AGENT WHO CAME TO THE HOUSE. HE KNEW I WAS WORKING IN LONDON. HE NEVER SUGGESTED CHANGING ANY OF THE DETAILS.

This information is solely for the OP. I am not prepared to discuss it. Clear?

mikey72

Probably not wise to do the same now, Generally, if the car is kept away from home, particuarly in somewhere like London, it needs to be declared. Nowadays they will spot it and query it.


This information is for everyone apart from Honeydog. I am prepared to discuss it. Clear?

neilmcl

2sides2everystory wrote: »

I say again that a proposer has no duty to tell the insurer "I am surprised that you have quoted me a lower premium when I use address#1 as my correspondence address, because I had imagined that keeping a car at address#2 would be rated as a higher risk" - none whatsoever.


I don't think you know what you are talking about, Trebor16. What makes you think you do?

However, and as nobody yet has answered my earlier question, it seems that OP must inform the DVLA that the car is kept at his address in Manchester and by not doing so he may be acting in a fraudulent way particularly if it is a reasonable assumption by insurers that the proposer's permanent address is the address where the car is registered.

neilmcl

And another point, has the OP answered all the other questions on the insurance form based on the address he gave, eg, number of cars at address, are you the homeowner, type of driving - ie, social, domestic and commuting, etc. Clearly if the OP had based the answers on his own residence then he his indeed making a misleading application.

mikey72

neilmcl wrote: »

However, and as nobody yet has answered my earlier question, it seems that OP must inform the DVLA that the car is kept at his address in Manchester and by not doing so he may be acting in a fraudulent way particularly if it is a reasonable assumption by insurers that the proposer's permanent address is the address where the car is registered.

It doesn't say that anywhere on
http://www.direct.gov.uk/en/Motoring/OwningAVehicle/ChangesToYourRegistrationCertificate/DG_4022055

in fact, it notes

"Post Office box addresses can only be used for companies and corporate bodies "

So the DVLA seem ok with alternative addesses there.

2sides2everystory

neilmcl wrote: »

However, and as nobody yet has answered my earlier question, it seems that OP must inform the DVLA that the car is kept at his address in Manchester and by not doing so he may be acting in a fraudulent way particularly if it is a reasonable assumption by insurers that the proposer's permanent address is the address where the car is registered.

OK. I'll answer it. I think you are also banding about suggestions of fraud without understanding what you are talking about. It is an offence to fail to notify DVLA of a change of address for your drivers license but unless you can show us the law that says that is an offence to fail to update a V5 address which is still a valid correspondence address then I think you too neil are barking up the wrong tree.

neilmcl wrote: »

And another point, has the OP answered all the other questions on the insurance form based on the address he gave, eg, number of cars at address, are you the homeowner, type of driving - ie, social, domestic and commuting, etc. Clearly if the OP had based the answers on his own residence then he his indeed making a misleading application.

You sound like a typical erk wet behind the ears in some wobbly part of today's insurance industry. Suggesting you can void cover in this case based on such nonsense is laughable if it wasn't for the fact that it contained people like you who would think it was clever to try it on behalf of their insurance industry employer and make a bloomin' nuisance of themselves in the process.

If you are employed in the industry, why don't you just take this as a challenge and concentrate on formulating ways that the motor insurance industry could tidy up its act so that anomalies like this don't occur ?

If not, I think you are just as wrong as Trebor16 to be waving a banner that says "Consumer Fraud Occurring Here" at the slightest opportunity.

mikey72

2sides2everystory wrote: »

OK. I'll answer it. I think you are also banding about suggestions of fraud without understanding what you are talking about. It is an offence to fail to notify DVLA of a change of address for your drivers license but unless you can show us the law that says that is an offence to fail to update a V5 address which is still a valid correspondence address then I think you too neil are barking up the wrong tree.

It's not an offence not to live at the driving licence address.
You need to notify them of a change of address, but I know someone who has sold up, and now travels in their motorhome, planning to buy a house in a year or two.
All there correspondence goes to a relatives address.

And when does a change of address take effect?
It's not defined anywhere as to what the address means.
My daughter lives at uni more than home, but she isn't expected to change, even though it would be easier at times to have proof of address there rather than here.

Trebor16

2sides2everystory wrote: »

The way I read it, the OP has made no false statement to anyone. The OP seems very aware of the scope of the questions he has been asked and he has given no indication that he has been economic with the truth in any of the answers he gave to get the quote.

Why not go back and read it again to get a better grasp of it.

2sides2everystory wrote:

I say again that a proposer has no duty to tell the insurer "I am surprised that you have quoted me a lower premium when I use address#1 as my correspondence address, because I had imagined that keeping a car at address#2 would be rated as a higher risk" - none whatsoever.

But your point is of no relevance.

2sides2everystory wrote:

I don't think you know what you are talking about, Trebor16. What makes you think you do?

It is abundantly clear you don't know what you are talking about.

Trebor16

Honeydog wrote: »

Darkhorse - I realise this is slightly different to your situation but some info might be relevant so I'm posting it.

Some years ago I had a car registered and insured from my parents house even when I was living and working in London. I estimate that my year was spent approximately 20% at home and 80% in London. I was on the electoral roll at home.

During that time I made a claim. The accident happened in London but the repairs were done at home (was just easier and I tended to use that garage for services anyway).

Nothing happened. They never questioned anything. Claim went through without any problems.

Before any of the usual suspects starts. THERE WAS NO ATTEMPT AT FRAUD. THE PREMIUMS AT THAT TIME WERE COLLECTED BY AN INSURANCE AGENT WHO CAME TO THE HOUSE. HE KNEW I WAS WORKING IN LONDON. HE NEVER SUGGESTED CHANGING ANY OF THE DETAILS.

I think you will find things have moved on since then

honeydog wrote:

This information is solely for the OP. I am not prepared to discuss it. Clear?

If you are not prepared to discuss things then don't post in the topic. As soon as you post you leave your contribution open to discussion.

Trebor16

mikey72 wrote: »

"Post Office box addresses can only be used for companies and corporate bodies "

So the DVLA seem ok with alternative addesses there.

But only for corporate bodies and companies.