Car insurance premium jumps massively since I moved (but the car hasn't)!

Biggilus

Hello!

Does anyone know of a car insurance company that doesn't penalise me for living in London? My situation is that I'm moving to London from Hampshire so a change of address to the insurance company is warranted which resulted in my premium going from £250ish to over £500. BUT my car is staying at my old address (Mum's), which I have declared as the overnight location for the vehicle and I have no intention of driving to/in London. I want to use the car still on the odd weekend that I do see the old dear so from an insurance point of view the risk of having to cover me is even less than before (less mileage / time spent in said car) but still I'm looking at being stung on the premium.

Do I just have to take the hit or does some form of common sense exist with any car insurance company?

huckster

The address for car insurance is where the car is normally kept for use. The address on the V5 reg doc will be where the car is kept by the registered keeper.

Therefore not sure why you are changing the address for Insurance, if the car is not in London.

agrinnall

As huckster says, it sounds like you have misunderstood one of the questions and provided your London address rather than the address where the car will be kept.

Biggilus

I spoke to a few people on the phone (well all from Tesco car insurance) who all were adamant that I have to put my residential address on the forms. What you say makes a lot of sense though that yes, where the car will be kept 95% of the year matches the V5 document which will be back at Mum's.

Biggilus

I gave two addresses - the car overnight address and also my (about to be new) address. With no changes the premium is ~£250, adding my new address took it to £550ish, however just completed a new form with Tesco that didn't allow me to enter a car overnight address (solely my new London address) which took the premium to a rather fleecing £1,700 :O

pappa_golf

ok , the cars V5 is listed as your mothers address , where it will be kept , garaged etc


if you get any parking tickets they will go to your mothers address (serviceable address) , this is or could easily be your address for the insurance co , so why tell them of a new address (where the car will not be kept) in London?


your mothers address is the serviceable one , you are simply working away

Biggilus

It all makes sense what you're all saying, I totally agree - however when it comes to insurance companies I'm just dubious about this whole thing. A credit check (which I'm sure any and all will do in the event of a claim/incident) will show my London address and cause a mismatch between information given and current circumstances. This in itself I'm quite sure will void any insurance. The application forms quite simply ask for my address, some the car's overnight address too but I'm just possibly too cautious about this. Hence this post :P

My alternative is to be insured as a second driver on the car and cross this bridge in two year's time so I can still continue with my 11 years no claims discount. Not ideal if this is the way forward though