Where should I register and insure my car?

sofieps

Hello,

I'm looking to buy my first car soon. I'm 22, I live in London and my parents live in a small village in Cambridgeshire with no public transport at all. The quotes for insuring a small car in London are around £1500, the quotes for the same car in Cambridgeshire are around £500. I don't really need to use the car in London because of the tube.

Could I buy a car, register and insure it at my parents address and keep it there for when I visit them? I'd also like to use it to visit my family in Dorset, for general holidays in the UK etc. It would probably not be in London more than a few weeks through out the year even though that's where I would spend most of my time.

I'm worried that if I had an accident in London whilst driving it, the insurance company would say my insurance was void. I'd obviously discuss this with insurers before purchasing a car, but I wondered if anybody knew what their response was likely to be.

Thanks

twhitehousescat

if the car is going to be stored at Cambridgeshire , the insure it from that address , as you will be "based" there , comsider moving your licence to that location as well

accept all mail from DVLA / police/and insurance to the Cambridgeshire address

spiro

Given you have a residence address in London but the car will be kept at a different address, I would explain this to the insurance company before you take out the policy. It could be very difficult if you don't, have a crash in/around London and then have to try and convince the insurance company you did not lie on your application.

tykesi

I'd have to ask if it's even worth buying a car for this kind of use? With £500 insurance never mind the depreciation, RFL, maintenance surely you could get trains everywhere you need to go and save a fortune?

Herzlos

Or just hire a car when you're visiting home.

Unless of course, you're keeping the car in London, in which case it should be registered in London.

maninthestreet

What's the point of buying a car if you can only use it when you visit your parents? It will be a depreciating asset, and you will still have to pay to use public transport. Just hire a car when visiting your parents.

knightstyle

Where are you on the electoral roll? Surely that is your permanent address?

dacouch

knightstyle wrote: »

Where are you on the electoral roll? Surely that is your permanent address?

Insurers generally are not interested where you're registered, just where the car is normally kept

twhitehousescat

and the car will be kept in Cambridgeshire ,