Car insurance and where your car is parked overnight

isadreamalie

Quick question

obviously cars are mobile so if you park at a different address say on holiday your car is still protected right?

I wonder how it is proven where you keep your car each night? what if your car is equally at two addresses

EdGasket

isadreamalie wrote: »

Quick question

obviously cars are mobile so if you park at a different address say on holiday your car is still protected right?

I wonder how it is proven where you keep your car each night? what if your car is equally at two addresses

On holiday YES you will be covered.

If it was damaged or vandalised at a different address, they might look into why it was at that address overnight. I guess you can say 'visiting' so in effect they wouldn't know.

forgotmyname

Equally at 2 addresses, no problem because you declared that to the insurer right?

If anything happens to it parked at a different address to where you said its normally kept it wont take long for them to find out which address its kept at more often.

mattk_180

For holidays, visiting friends etc. it is absolutely fine as the question only really points to where it is normally kept overnight whilst at the home address and there are exceptions as have been mentioned.


If you are spending a lot of, or equal time at another property, you should declare this to insurers so they are aware and they will then likely base the premium on the one which is at higher risk.

EdGasket

forgotmyname wrote: »

Equally at 2 addresses, no problem because you declared that to the insurer right?

Have you ever actually tried that? I expect the result is the same as trying to say you and your partner both drive the car equally; the insurer will just insist you specify the MAIN one (even if you logically can't) because that is all their systems can cope with; one main driver and one main address.