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

raskazz

mikey72 wrote: »

It's not an offence not to live at the driving licence address.

mikey is actually right here.

I have spoken the DVLA on this as we had some other issues with a policyholder and we noticed that the address on her licence was her employer's address. The DVLA accept that in certain cases - the example they gave was victims of domestic abuse - individuals may want their licence registered to an address at which they do not permanently reside. They wouldn't be drawn, however, on whether they would expect the individual to disclose this to them in such circumstances.

Obviously if you do keep a different address you need to make sure any correspondence is collected/forwarded in order to avoid any nasty surprises.

With regard to the original question, as the more enlightened posters have stated, whether it is legitimate depends on the actual questions asked/assumptions stated by the insurer.

Trebor16

pacific4130 wrote: »

So, OP, don't worry about it. Lots of people are in similar positions - students, armed forces, people who work away mid-week. They want to know where the car will be most often. You've provided that information so no worries.

The difference is the OP has a permanent address in Manchester and doesn't live at his parents address.

mikey72

raskazz wrote: »

mikey is actually right here.

I might just change my signature.

Mind you, on the law of averages, even I had to be once.;)

Honeydog

darkh0rse wrote: »

Thanks all for so many replies.

It seems that mostly the suggestion is that YES this is above board as I am indeed correctly stating the car is mainly kept at address #2 overnight, even though I am mainly residing at address #2 but intend to register it and put the policyholder name and address as myself at address #1.

I think what I may do is use price comparison website as normal, then (although I may lose out on some cashback but at least I get £700 cheaper premium) phone up and then say I will only take the premium if I can have in writing the addresses differ but that this is OK, although mikey72 would seem to suggest that should not be necessary.

Also folks please note that I have not yet done this, as I no longer have a car, as I sold it because... I couldn't afford the insurance premiums since moving! It is merely me wondering if it is all above board to do so.

Darkhorse

Perhaps when you do get another car you could come back to this thread and post the result. It might help someone else at some point and also we'll all know who was right after all.

HD

neilmcl

mikey72 wrote: »

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.

So you missed the first line then - "
You MUST tell the Driver and Vehicle Licensing Agency (DVLA) immediately of any changes to your name, address or both."

The OP's address is in Manchester NOT his parents.

mikey72

neilmcl wrote: »

So you missed the first line then - "
You MUST tell the Driver and Vehicle Licensing Agency (DVLA) immediately of any changes to your name, address or both."

The OP's address is in Manchester NOT his parents.

I read it and replied to it.

mikey72 wrote: »

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.

Nowhere does it define what address means.
Nowhere does it state you have to live at the address.

neilmcl

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.

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.

Why the need to be so rude. I was merely posing the question. I have never once said the OP IS commiting fraud so before you jump on my back, try taking a breath and read other peoples posts more closely. And for the record I am not or never have been employed in the Insurance industry.

Try not to be such a !!!!!! in future if you can.

dacouch

mikey72 wrote: »

I might just change my signature.

Mind you, on the law of averages, even I had to be once.;)

You two keep agreeing is weird, when is normal service resuming...

mikey72

dacouch wrote: »

You two keep agreeing is weird, when is normal service resuming...

Scary


It's the tablets.

Trebor16

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.

How would it be a valid correspondance address is the OP has admitted he doesn't live there, has his own property where he is on the electoral roll and is paying the utility bills and council tax there?

2sides2everystory wrote:

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.

Gosh, everyone who has an opposing view to you on this matter works for the insurance industry! Is that the best you can come up with? You clearly are doing your best to ignore the admissions made by the OP that he has his own address and is trying to insure his car at an address where it is not kept, and where he doesn't live.

If you think it is ok to declare a car as insured at one address when the person doesn't live there then you really need to take a reality pill.

2sides2everystory wrote:

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.

I tend not to wave the so called "banner" but I am calling it as I see it. At least the OP has had the sense to ask the question but he needs to tread very carefully.