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The Legalities of Car Insurance
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I am going to be doing some housesitting in exchange for free accommodation from September onwards indefinately. But what are the legalities of car insurance/driving licence etc if I have no permanent residential address?
I have a work address I can use if acceptable but for those of you out there who don't have your own home address, or live in a motor home for instance, how do you deal with the 'residential address' issue?
I've read in several places that provided you have an address you can give where you can be contacted it'll be accepted but I also read conflicting information. Am I going to have to call my insurance company every time I move to another house to tell them where I am?
I have a work address I can use if acceptable but for those of you out there who don't have your own home address, or live in a motor home for instance, how do you deal with the 'residential address' issue?
I've read in several places that provided you have an address you can give where you can be contacted it'll be accepted but I also read conflicting information. Am I going to have to call my insurance company every time I move to another house to tell them where I am?
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Comments
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You'll need to change the address on the insurance each time you change the address - after all, the risk is calculated based on where the car is typically kept.
Driving licence just needs to be an address where you can be contacted in a timely manner.0 -
Technically, you need to update them every time you move, as the address will have an impact on risk.
They probably also want your contact address to match the address where the vehicle stays, but you should be able to have it at a different address (and pay more).
Your best bet might be to talk to a broker or some insurance companies directly.
How long are you expecting to be at any given address?0 -
Technically, you need to update them every time you move, as the address will have an impact on risk.
They probably also want your contact address to match the address where the vehicle stays, but you should be able to have it at a different address (and pay more).
Your best bet might be to talk to a broker or some insurance companies directly.
How long are you expecting to be at any given address?
Most house sitting positions tend to be one or two weeks so I guess my insurance company is just going to get really sick of hearing from me. I can use my work address for the car log book and driving licence. I'm there every day anyway. I am going to call my insurance company this week and get a full overview of what's involved.0 -
My father lives on a houseboat so gets all his mail forwarded to his work address, insurance etc never had an issue with it to date..
not exactly sure on the legal position though! And his vehicle IS there more than anywhere else as the boat moves around ...Hello There. :beer:0 -
Generally an insurer will want to know an address to use for correspondence, and the address where the vehicle is "usually" kept (for most people the two are the same, of course). "Usually" is not normally precisely defined and is a matter of common sense - if you're staying away from home for a week or two then there's no need to tell your insurer, but if you're going away for months and months, or if there's no single place where you can honestly say your vehicle is "usually" kept then you probably do need to tell them.
The safe answer is to phone up the insurance company, explain your situation, and ask what you should do. It's not something you'll be able to explain by ticking boxes on a website, you need to speak to a real person.0 -
Most house sitting positions tend to be one or two weeks so I guess my insurance company is just going to get really sick of hearing from me.
Not at £30 a time to update your records plus the premium rate call they won't
:D I want to go back to The Olden Days, when every single thing that I can think of was better.....
(except air quality and Medical Science
)0 -
So I answered my own question. I called my insurance company. Basically they will not insure me. So the next question is, who does? There must be people who don't have permanent bricks and mortar addresses who get vehicle insurance?0
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You are unlikely to get this cover online direct via an off the peg standard policy.
See if a local broker ( not Swinton) can help0
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