I live at two addresses, what one do I insurance my car at?

SovietVodka901

So I am about to go off to uni but due to my health I need extra care so will only be at uni for they days I have to be. 

My cars is at my parents house from Friday after 12:00 to Monday after 18:00

My car will be at my dorm from late Monday after 18:00 to Friday about 12:00

I will also be at home for all holidays.

So where do I put my address as on my insurance, since technically my car will live at home most the time.

lincroft1710

Why not ask your insurance company/broker? 

Brie

I would suggest you put your "normal" address, the family home. 

Uni isn't normally for a full year and so it's common for students to continue to have their parent's address on the policy.  But then you should declare that it won't always be parked there.  

neilmcl

Given the car is located at your Uni address more evenings than at your parents you should really put that address down. Best to speak to your insurer though and take the lead from them.

Bigphil1474

OP, when I went to University I held the insurance against my home address and told the insurance company my student address. That was a few years ago where sticking with the same insurer wasn't a rip off. I moved house every year at University so was easier to keep the one address at home for insurance purposes. 

Herzlos

It sounds like during term time your car will spend more time at uni, so I'd be inclined to insure it there.

However if you factor in non term time it gets messy. The only clear way is to ask your chosen insurer.


I had a similar conundrum before where I shared a car with my mum, she used it during the week and I used it at the weekend, but I covered more mileage, so I wasn't sure who the main driver would be. I don't think they managed to give me a good answer on that one.

Jenni_D

If you're at the quote stage (e.g. using one of the comparison sites) try for separate quotes using each address and see how that changes things. Personally I'd use the home address as the vehicle will probably be there for more of the year than at the student address.

Either way, whichever insurer you choose to go with, make sure your circumstances are clear before you proceed.

neilmcl

Jenni_D said:

If you're at the quote stage (e.g. using one of the comparison sites) try for separate quotes using each address and see how that changes things. Personally I'd use the home address as the vehicle will probably be there for more of the year than at the student address.

Either way, whichever insurer you choose to go with, make sure your circumstances are clear before you proceed.

Be very careful about doing this. Running multiple dummy quotes against different addresses can sometimes alert the suspicions of insurers and you may find some will refuse to insure or may find excuses to cancel further down the line.

ontheroad1970

Jenni_D said:

If you're at the quote stage (e.g. using one of the comparison sites) try for separate quotes using each address and see how that changes things. Personally I'd use the home address as the vehicle will probably be there for more of the year than at the student address.

Either way, whichever insurer you choose to go with, make sure your circumstances are clear before you proceed.

I'm not sure this is necessarily the best advice.  University car parks would be generally be considered a much higher security risk than at home.  And if something does happen to the car at university it could get a little too interesting.  I suspect most insurance companies would prefer to be insuring against the most risky part - and the customer too.    Or better still call a few insurance companies, or a broker, and go through the dilemma with them.  Yes it's more laborious than using comparison sites, but at least you will know that you are fully covered

Jenni_D

neilmcl said:

Jenni_D said:

If you're at the quote stage (e.g. using one of the comparison sites) try for separate quotes using each address and see how that changes things. Personally I'd use the home address as the vehicle will probably be there for more of the year than at the student address.

Either way, whichever insurer you choose to go with, make sure your circumstances are clear before you proceed.

Be very careful about doing this. Running multiple dummy quotes against different addresses can sometimes alert the suspicions of insurers and you may find some will refuse to insure or may find excuses to cancel further down the line.

I should have said to use "in private browsing" tabs, which should help alleviate some of this. Please also note my final sentence.

ontheroad1970 said:

Jenni_D said:

If you're at the quote stage (e.g. using one of the comparison sites) try for separate quotes using each address and see how that changes things. Personally I'd use the home address as the vehicle will probably be there for more of the year than at the student address.

Either way, whichever insurer you choose to go with, make sure your circumstances are clear before you proceed.

I'm not sure this is necessarily the best advice.  University car parks would be generally be considered a much higher security risk than at home.  And if something does happen to the car at university it could get a little too interesting.  I suspect most insurance companies would prefer to be insuring against the most risky part - and the customer too.    Or better still call a few insurance companies, or a broker, and go through the dilemma with them.  Yes it's more laborious than using comparison sites, but at least you will know that you are fully covered

Please note the final sentence of my post.

sevenhills

SovietVodka901 said:

So where do I put my address as on my insurance, since technically my car will live at home most the time.

If you are unsure where you live, just look on your driving licence, your bank probably sends your mail there too.