Vehicle stolen, am I insured?

jimjames

AdrianC said:

Ebe_Scrooge said:

BOWFER said:

jimjames said:

If the vehicle wasn't covered at another address then you'd potentially have a claim rejected if it was stolen when staying with friends for a weekend.

I've read this umpteen times and can't fathom what on earth you mean

I get it totally - I was going to post a similar thing.  Take a very typical scenario - you have the car declared to be "usually kept" at your house.  You go to visit friends or relatives, many miles away, for the weekend.  The car is stolen from their driveway.  Do you think the insurers would quibble over that?

BUT...

You can bet they'll do some digging, especially if the weekend address is a higher risk...

No idea in this case but I suspect in many cases it would be the other way round and the weekend address is the lower risk one.

Reginald74

Yes. The problem would come if the weekend address is lower risk and it was stolen during the week. It may come down to how many days per year it is at each. What about someone who stays away in hotels in different locations all week? Then they would have to put thei home address even though their car is not there most of the time.

prowla

The OP says they spend most of their time (ie. weekdays) at their parents and have told the insurance company that.

Seems above-board to me.

The insurance company would likely have recordings of the conversation if needs be.

Jumblebumble

Sean88661046 said:

Hi everyone, need some help...

My car was stolen from my drive a few days ago. It's a keyless entry vehicle and there were no signs of break in and both keys are still present in the house. I'm assuming it was stolen via 'relay' theft. The keys are in a special box overnight and most of the time during the day as well. On this occasion they were on the side in the hallway. When I found the vehicle missing I informed the police immediately and insurance company. The problem: 

The vehicle is registered to my main correspondence address where I live/sleep at 2-3 nights per week. My bank accounts ect are at this address as well. 

The vehicle is insured at my parents address where my business is also registered. I work from this address and sleep here 4-5 nights per week. This is where the vehicle spends most of it's time during the day and night. My driving licence is also registered to this address. 

I asked the insurance company upon application which address I should insure the vehicle from, they advised it should be insured from where the vehicle spends most of it's time. Typically the vehicle has been stolen from my 'correspondence' address where I live at during the weekends. The vehicle value is around £50k so I'm expecting the insurance company to be as difficult as possible.

Legally speaking, which is correct?
Register the vehicle to the address where it spends most of its time (at night)
Register the vehicle so it's the same as the registered keepers driving licence address
Register the vehicle to the registered keepers correspondence address 

Have I registered the vehicle to the wrong address? Am I screwed? I don't want to ask this question to the insurer for obvious reasons but i'm sure it will come up when they see the V5 document that they've asked to see. I need my defence ready but I'm finding conflicting info on search engines...

Thanks in advance for any advice 

The registered keeper address is nothing more than an address where the person keeping the car may be contacted
I have a lease car and have no idea what address the DVLA have for the registered keeper and neither do my insurers who never asked in the first place