Car insurance home postcodes

Roozy82

Hello, newbie here!
I am looking up car insurance quotes for a new vehicle and getting a bit stuck on the question about parking overnight.
My house doesn't have a street directly outside as it's off a cut through/alley way between a main road and a close.
I park as close as I can to the house, and well within the same postcode area. It's just not directly outside or visible from the house as that wouldn't be possible.
Should I select "street away from home" and give the address of the neighbour's house I park outside (where there is an option to do so) or should I select "street outside home"?
I've searched on existing posts but can't find anything similar, except a mention of postcode areas.
Many thanks.

prettyandfluffy

I would phone the insurer and ask their advice, telling them that as you have no parking directly outside your house you park as close to your home as you can.

GrumpyDil

For quote purposes use street outside your house.  In practical terms people often can't park directly outside their houses due to limited parking etc. In a previous house I used to have to park around the corner. 

Personally I would use the closest option to buy the insurance but if you are concerned ring your chosen insurer to check. 

user1977

I have a similar issue as it's an inner city area where depending on luck I could get a space outside my gate, or it could be several streets away. I would interpret it as being "as close as reasonably practicable to your home" - the point I think is that you're not leaving it somewhere completely different.

Roozy82

Thank you everyone. Having gone through Compare the Market and Go compare I then went direct to the lowest quote companies. Some of them were more specific about their definition being within half a mile of the home address.
Now need to get round the fact that I don't have a no claims when I thought I did - husband has left me and he has been the policy holder for the last 14 years, even though I've been the main driver and never made an insurance claim. I've contacted the current provider to see if there is anything they can do.
Thanks all

macman

The NCD applies to the policy holder, not the named or main driver, so I doubt you'll get any joy there unfortunately

mgfvvc

macman said:

The NCD applies to the policy holder, not the named or main driver, so I doubt you'll get any joy there unfortunately

They do have some discretion. I have had NCD transferred from me to my wife on renewal.

DullGreyGuy

Roozy82 said:

Now need to get round the fact that I don't have a no claims when I thought I did - husband has left me and he has been the policy holder for the last 14 years, even though I've been the main driver and never made an insurance claim. I've contacted the current provider to see if there is anything they can do.

Insurers have full discretion on what they do with NCD, most wont excercise that discretion just for insured's convenience but some will in particular circumstances. It's common for them to transfer NCD from the Insured to a Named Driver Spouse in the event of them becoming a widow(er). Its probably less likely for a divorcee but the right story to a sympathetic call centre agent can work wonders

baser999

GrumpyDil said:

For quote purposes use street outside your house.  In practical terms people often can't park directly outside their houses due to limited parking etc. In a previous house I used to have to park around the corner. 

Personally I would use the closest option to buy the insurance but if you are concerned ring your chosen insurer to check. 

I’d go with this option as well, as ‘street away from home’ always suggests it could be a distance from your home which clearly it wouldn’t be. In areas of London people can park streets away from their home.