dual postcode car insurance

fifi124

I work away during the week and am finding it difficult to get a realistic quote for car insurance based on 2 addresses - as soon as you say I live somewhere during the week and a different place at the weekend the underwriters say they won't insure 2 addresses. When I can get a quote it os >£2000 (versus £300 for just one of the addresses!) There must be other people who work away during the week? what is the answer? (and I am not willing to lie to the insurance company!)

dacouch

Run quotes through with your work address as where the car is kept and your home address as a correspondence / contact address.

Then ring the Insurers that are coming in best and explain you have a work address and correspondence address which the car is kept at twice a week.

Assuming the home address is lower rated than the work address most Insurers would accept this if you explain it to them as per above.

If the home address is rated higher they may want to base the premium on the home address.

SuperHan

Give the insurance company a call and see what they propose. When I was a student living away from home and at a different address 50% of the time (as declared on my insurance) the insurance company still only wanted to take one address, namely my home/parents' address. They didn't even query my university address.

thegirlintheattic

If you stay more at the work address put the work address. When I was at uni, I spent more time of the year at uni than home, so the insurers wanted the uni address.

[Deleted User]

I had this issue as I work term time at a residential school. When I rang to renew my car insurance I explained the situation and they just said i should insure it at the address where the car spends the majority of its time, ie my work address. There was no problem at all with having all my paperwork sent to my 'home' address which is about 50 miles away from my work

fifi124

thanks all - I will try ringing one of the insurers direct and see what they say. I don't hold out much hope though as I spoke to a few last year and the all just said they wouldn't ensure 2 addresses!!

Gloomendoom

fifi124 wrote: »

thanks all - I will try ringing one of the insurers direct and see what they say. I don't hold out much hope though as I spoke to a few last year and the all just said they wouldn't ensure 2 addresses!!

I thought the advice above was to only insure the car at one address... the one where the car spends most of it's time.

InsideInsurance

The norm is simply to insure it at the place it will spend the most nights