Homeless-can you get car insurance?

C_Mababejive

Its hypothetical but if you are homeless ,can you legitimately obtain car insurance?

What about if you did have a home at the time you insured but then became homeless?

jonesMUFCforever

Legally I suppose there is no reason why you cannot take out car insurance if you are homeless - the one major problem that came to mind is that most will ask where the car is parked at night - if you cannot answer truthfully then they won't issue a policy.

Aretnap

The address where you keep the car at night doesn't necessarily have to be the same as the correspondence address, so you could use the address of a convenient friend/relative/drop in centre as your correspondence address, then say where the car is actually kept. Things would be a bit tricky if there was no single place where you normally kept your car, but someone who is in the sort of job where he stays in a different hotel five nights a week would presumably have much the same sort of problem so I imagine it wouldn't be unprecedented.

InsideInsurance

I imagine if you are homeless but not carless you may well be parking in the same sort of area each night. Would be similar to many people who have on street parking in that their vehicle is in the same area each night but not necessarily the same spot.

When I was a student there was a host of small roads with on street parking that everyone living on the main road had to use and so you rarely parked in the same spot two nights running. Insurers didnt used to have an issue with it at all.

Just need to ensure you declare home, correspondence and where vehicle kept accurately.

Southerner3000

Most insurers ask what type of property you live in - answering with a car gets the alarm bells ringing as in theory you are untraceable in the event of an accident.

C_Mababejive

Its a tricky one for sure. My feeling is that to be 100% legit,it seems like you couldnt get insurance.

It seems to me that if you dont have a home there are a lot of things you cant get !

But then,you could be staying at someones home and still be legally homeless if you take the definition of homelessness to mean that you do not have a legal right of tenure i.e a tenancy agreement or a land reg entry detailing you are a proprietor of a property.

I digress but consider this...can i enter or leave this country without a passport? What if i dont have any money and cant afford one? Most if not all airlines wouldnt carry me. Could i get on a coach or a ferry?. Maybe a coach as passport checking is a bit lax.

hieveryone

How could you pay for the car insurance if you didn't have an address? Can you have a bank account with no address?

Also, how would you have the funds to leave the country and not have the funds for a passport?

Aretnap

hieveryone wrote: »

How could you pay for the car insurance if you didn't have an address? Can you have a bank account with no address?

Yes

Also, how would you have the funds to leave the country and not have the funds for a passport?

Walk across the border to Ireland?

C_Mababejive

RE leaving the country, im not talking practically but hypothetically. Why should it cost money simply for me to move from point A to point B on planet earth?

nobbysn*ts

C_Mababejive wrote: »

RE leaving the country, im not talking practically but hypothetically. Why should it cost money simply for me to move from point A to point B on planet earth?

Same reason as any other part of civilisation. That's the rules. You could move to less developed countries, without the rules, and move freely. You may also find less rules on personal rights and liberty though, so pay (or don't pay) your money and take your choice.