Moving House - Car Insurance Increase

blindmelon7

Hello all,

I'm moving into my first non-student house in July, so no doubt I'll be on the forums with loads of questions in the next week or so! I've never had an account here, but I've found plenty of money saving advice on here from Google

So for a bit of background, I'm moving from my parents house in the country, where I've been living for the last couple of years after uni while I get enough money together to move out. I was about to sign for the new house in Newcastle, and thought I'd better check my insurance costs only to find that is has almost doubled! (from £55 per month to £95.) Bearing in mind this is a 1.3L car and I've been driving nearly 8 years with only one small accident (I'm 25.)

While this is all manageable for me, my brother, who I'm going to be living with, owns a convertible car, albeit a cheap one (a Pergeot 306). His insurance has gone from £800 a year, to £2500 just for moving to a town!! We have tried other companies and had similar results.

So can anyone give me any advice on what to do in this situation? My current thinking is to tell our insurance companies we will be living in Newcastle but leaving our cars at our previous address. I only really drive long distances, and if my car gets stolen in Newcastle I have no intention of claiming (it only cost £200 ) but I'm a little concerned with the legality of this.

Many thanks,
Blindmelon7

forgotmyname

That may work until you have a claim and they ask your neighbours where you park and they say you moved out a long time ago.
Try getting some insurance quotes in a bad area with a black mark for insurance fraud on your file.

And when they check your driving licence address, Can they access this directly from the DVLA yet?

InsideInsurance

blindmelon7 wrote: »

My current thinking is to tell our insurance companies we will be living in Newcastle but leaving our cars at our previous address. I only really drive long distances, and if my car gets stolen in Newcastle I have no intention of claiming (it only cost £200 ) but I'm a little concerned with the legality of this.

Telling them it and it being true is obviously fine, you will get a premium increase as having the vehicle away from home does cause an modest loading but highly unlikely to be that you are seeing in Newcastle.

Telling them and it isnt true is fraud and could cause you life long problems should they ever find out.

blindmelon7

So I'm just going to have to cough up?

As far as neighbours go, I don't have any at my current address, and I was planning on parking a couple of streets away at the new one.

I'm not a dishonest person, but this could actually stop us moving. £2500 is more than our rent!

blindmelon7

Surely it doesn't really matter where I park? The only thing that would affect is theft/vandalism claims, which I have no issue with.

I don't plan on lying about my address on my insurance or my driving licence, just about where I leave my car.

GingerBob_3

InsideInsurance wrote: »

Telling them it and it being true is obviously fine, you will get a premium increase as having the vehicle away from home does cause an modest loading but highly unlikely to be that you are seeing in Newcastle.

Telling them and it isnt true is fraud and could cause you life long problems should they ever find out.

That is correct. This most disreputable of industries will never forget and will hold you accountable for an entire lifetime.

InsideInsurance

blindmelon7 wrote: »

Surely it doesn't really matter where I park? The only thing that would affect is theft/vandalism claims, which I have no issue with.

I don't plan on lying about my address on my insurance or my driving licence, just about where I leave my car.

Its not just where you park though, its also where you most commonly are driving around etc too.

The rate of pedestrians being hit are, unsurprisingly, massively higher in a city than they are in the country for example.

blindmelon7

I might as well unpack my things then. There's no way my brother will get rid of that stupid car. To be honest, I don't think he can afford to live on his own anyway, he only managed to find two days of work a week.

forgotmyname

Someone may bump into it whilst parked and being honest report it to the insurance and leave a note.

When they contact the insurance and mention its parked there all the time.

There have been a few threads where people have done this and got caught, I remember one for £8000 and one that was £16,000 and rising. Not sure which one was this forum and which was on one of the anothers i use.

But if its an injury claim then the bill could be huge.

dunstonh

GingerBob wrote: »

That is correct. This most disreputable of industries will never forget and will hold you accountable for an entire lifetime.

Hold on. The OP is considering committing fraud yet you say it the insurers that are disreputable?

Surely it doesn't really matter where I park? The only thing that would affect is theft/vandalism claims, which I have no issue with.

I don't plan on lying about my address on my insurance or my driving licence, just about where I leave my car.

You may not claim for loss of vehicle but what happens if the car is stolen and then driven into a Range rover and injures someone with a lifetime earnings capability of £2 million who cannot do their job any more? Or the stolen vehicle runs over a pedestrian (and there is more of those in a city)?

its not the cost of your vehicle that is really the issue here.That is small fry. Its the cost of the damage your vehicle can do to others.

InsideInsurance

dunstonh wrote: »

if the car is stolen and then driven into a Range rover and injures someone with a lifetime earnings capability of £2 million who cannot do their job any more?

You did read they are going to newcastle yes? :rotfl: