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

ontheroad1970

Jenni_D said:

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.

The thing  is that anyone looking at short term savings might disregard the last sentence, and perhaps to their peril.  If an insurance company decides that someone is fronting by using a less risky address - and this is how it may be interpreted - will be in a whole world of pain.  Even as far as cancellation, which will make the short term saving very expensive indeed.

Advocado

Every policy I've ever had asks where the car is "usually" kept.  I take that to mean where it spends most of its time.

Just work it out - will it spend more of the year parked at uni or more parked at home?

neilmcl

sevenhills said:

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.

Insurers are interested in where the car is kept overnight rather than what the driver's driving license details say.