Car insurance registered address but living somewhere else

Hagar_uk

Anyone with car insurance info know the issues if you have the car registered at one place say parents but live somewhere else unofficially with partner?

Would the insurance still be valid.
I understand if it was too save money it could regarded as fraud. But if there is no financial benefit. Could there be any adverse issues with the cover in case of a claim.

Quentin

You do need to inform your insurer the correct overnight location.

Not doing so is a breach of the policy conditions and would allow them to void your policy and reject any claim.

(All covered in your policy docs)

AdrianC

If there's no difference in the premium, there's no reason not to.

If the real location is a higher risk, then the insurer definitely needs to know.

Hagar_uk

There is a reason behind it. It is so there is official trace of car being registered at that address. For various financial reasons. Ie benefits of the person who official lives there.

AdrianC

Ah, you're asking for advice on benefit fraud?

Hagar_uk

Not at all. I am just asking about legality with insurance of having car registered one place but owner living somewhere else

AdrianC

...and then you said that the reason you don't want the car to be insured at the address you actually live at is to avoid problems with the other resident's benefits.

Hagar_uk wrote: »

There is a reason behind it. It is so there is official trace of car being registered at that address. For various financial reasons. Ie benefits of the person who official lives there.

In other words, if you are honest about the real situation, the other person will not receive their current benefits.

How is this not benefit fraud?

neilmcl

Hagar_uk wrote: »

Anyone with car insurance info know the issues if you have the car registered at one place say parents but live somewhere else unofficially with partner?

Would the insurance still be valid.
I understand if it was too save money it could regarded as fraud. But if there is no financial benefit. Could there be any adverse issues with the cover in case of a claim.

As above, you have to state where the car is kept overnight, simple as that. You have made a potential fraudulent statement by stating otherwise and the insurer will be within their rights to void you policy, making it very difficult for you to get reasonably priced insurance going forward.

neilmcl

What are you trying to do OP, register your car at your parents so you can have "proof" to show you're not living at the house with your partner, presumably so your partner can claim whatever single persons/parents living allowance they're entitled to?

Sounds pretty much like benefit fraud to me and tbh the authorities are not that dumb to fall for that one.

Mercdriver

neilmcl wrote: »

What are you trying to do OP, register your car at your parents so you can have "proof" to show you're not living at the house with your partner, presumably so your partner can claim whatever single persons/parents living allowance they're entitled to?

Sounds pretty much like benefit fraud to me and tbh the authorities are not that dumb to fall for that one.

If that's the case it could even be argued to be Conspiring to pevert the course of justice which could be jail time for the OP...

neilmcl

I wonder how long it'll be before the OP tries to delete his post