Home address on motor policy

faddy

I own my home but for some years have been living in a flat about a mile away (long story partly involving ill health). Intention is at some point to return to the house so have kept my driving licence, V5C, bank and CC account addresses and electoral registration all at that address. My car's been off the road for some months but I last had it insured giving the flat (where the car is kept) as my home address.

Looking around for new insurance, and the cheapest quote for my estimated mileage (apart from Hastings group) was from By Miles whose polices are underwritten by either AXA or Tradewise. I completed an online proposal giving the flat address. This produced a quote underwritten by Tradewise but I then failed the online ID check (presumably a CRA ID search). I was then invited to provide a copy of my driving licence as proof of address but that of course has the house address. I instead submitted a new proposal giving the house address as my home address and giving the flat address as where the car is kept overnight. This time the ID check worked but I was surprised to see that despite the car being kept at the same location, the premium (in part estimated as there's a per mile element based on a black box) had reduced by about 10% and the underwriter had switched to AXA.

I'm now a bit conflicted - on the one hand I don't feel I'm hiding any material fact if I'm telling them correctly where the car is kept overnight, on the other I feel a bit uneasy that AXA only quote for one of the addresses and for a lower premium than the other underwriter for the other address. The note next to the "home address" section of the proposal form says "this must be your legally registered home address (where you live)". As far as I'm aware there's no such thing as a "legally registered home address" in the UK unless they mean the address where you're on the electoral register?

Should I have any qualms about going ahead with this insurer, giving the house as my main address and the flat as where the car is kept overnight?

faddy

Have now checked with By Miles, who say that "legally registered home address" does mean "where you're on the electoral register" and that what I'm intending is fine.

System

faddy wrote: »

Have now checked with By Miles, who say that "legally registered home address" does mean "where you're on the electoral register" and that what I'm intending is fine.

You can be on the electoral register at several places, eg a student can register to vote at home and at university. The only stipulation is obviously you are allowed only to vote once.
I can't see what that has to do with car insurance.