We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Car Insurance - Home Owner
Options

ClaireHoff
Posts: 1 Newbie
in Motoring
What constitutes a 'home' when looking for car insurance?
We have sold our bricks and mortar and now live in a caravan, we own the caravan, having bought it outright.
For the same price, we could buy a 2-bed house up north, but live in the south.
As we are both retired, we move locations, spending a few months in each place.
If we put down that we don't own our own home, the insurance is over double, going from £500 a year to £1200 a year!
We always pay our insurance in one instalment, so they will have the full payment upfront.
Can anyone help?
We have sold our bricks and mortar and now live in a caravan, we own the caravan, having bought it outright.
For the same price, we could buy a 2-bed house up north, but live in the south.
As we are both retired, we move locations, spending a few months in each place.
If we put down that we don't own our own home, the insurance is over double, going from £500 a year to £1200 a year!
We always pay our insurance in one instalment, so they will have the full payment upfront.
Can anyone help?
0
Comments
-
I'm sure one of our insurance experts will give a definitive answer.
However, I predict that it will confirm that your caravan does NOT constitute a 'home'. From your description, there is no degree of permanence.0 -
OP how do you answer the question, where will the car be kept overnight? That may be more of a killer question.0
-
Unless they clarify the term then it uses plain English definition/ as its used in common life.
If you are talking about a static caravan then I would say its defendable, if you are talking about a touring caravan and its currently parked in your parents back garden then I think its more difficult to say that the average person on the street would describe you as a homeowner.0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.8K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards