Can't afford insurance at new address

Gt125

I've moved out for the first time. My parents were kind of pushing me out the door so i was just trying to find somewhere quick. I didn't even think to research car insurance at my potential new address. My house is right next a huge police station so I would have thought it was pretty secure, I park my car in the police station public use car park too so it's not just on the street where it can get crashed into. It's under 24/7 CCTV but I checked on compare the market to see what it would be and they want £200 a month even though I've been driving for 2 years, have 2 years NCD, my claim free conviction free dad with years of NCD on the policy and that's £200 even with a black box. I pay £76 right now including breakdown cover and a courtesy car. I can't afford £200 a month. Especially not with having to pay much more rent now. I'm only ever going to be using the car at the weekend to travel to my second job. During the week it's just sat in the car park. What are my options here? I've strongly debated just not changing it as the only reason they would ever know if if I had to claim, I doubt anyone is going to steal a car from a police station car park and as I'm never using it I doubt it's going to get in an accident. I don't really want to do that though as I know it's wrong. But I really can't afford the difference. I really wish they wouldn't base insurance on address. It should just be based on your driving history. I'm so gutted because everything else about my first house is great.

stator

What is your car?
Apart from changing your car, or permanently leaving it at your parents house, you don't have any real options.

When trying alternative quotes, remember not to use your exact name and DOB etc, otherwise they will think you are trying to comit fraud.

BoGoF

Well if you are 'hardly ever using it' then sell it.

It would be stupid to not inform them.

eddddy

Gt125 wrote: »

I park my car in the police station public use car park too...

I'm only ever going to be using the car at the weekend to travel to my second job. During the week it's just sat in the car park.

I know this isn't your question - but is the Police Station public car park intended for long term use by residents?

Or is it intended for use by members of the public visiting the Police Station?

If it's parked from Monday to Friday in the same spot without being moved (under cctv cameras), it may not be long before somebody notices.

Sea_Shell

How far have you moved? Completely different postcode area? Into city/town centre? Is it more urban than your parents house?

garth549

£76 to £200 a month is a huge jump just based on area or parking in a car park overnight. Are you sure you haven't made any other changes? (Car, number of miles driven, job)

Is the £76 based on your own policy (ie you're the policyholder) and not a named driver on a parent's policy?

Penelopa.Pitstop

I suspect that parking on the street might be cheaper for insurance purposes. If you park at police station, it can be viewed as parking at another address different from your home address and may increase the price. Also, it's possible that there was a lot of claims at police station address.

And as above, don't use your real data to get quotes.

PasturesNew

To you it seems safe to park close to a police station. The reality is though that every arrested criminal is turfed out of the door and faces a long walk home without transport.... and they're possibly also angry.

And/or other angry people turn up at the police station as their mate's inside...

The chances of a ne'er do well being close to a police station is higher than you think.

forgotmyname

I have actually watched someone run around a police carpark and stab the tyres with something.

Long time ago. I was in the petrol station opposite. Nobody came out so it may have cameras but not monitored. All they would have seen on the recording is something approx 6ft tall in black/dark grey running around the cars.

Gt125

TODAY 11:38 AM
stator What is your car?
Apart from changing your car, or permanently leaving it at your parents house, you don't have any real options.

When trying alternative quotes, remember not to use your exact name and DOB etc, otherwise they will think you are trying to comit fraud.

It's a 2009 Vauxhall Corsa. My parents house is a 2 hour bus ride away. Would be a real pain to get to my car if I ever needed it.

Gt125

BoGoF wrote: »

Well if you are 'hardly ever using it' then sell it.

It would be stupid to not inform them.

Although rarely using it I still need it. I like the option of having it there too. I'd hate to sell it and then want to make a trip and have to mess about with ever unreliable public transport. I don't use it during the week but I need it at weekends to get to my weekend job.