How long have you continuously lived in the UK Car Insurance

buckrogers

My son was born in  the UK, but a year ago he worked aboard for 4 years and came back home last year, He has a UK driving license and passed his test in UK when he was 19 years old. Drive-ed in UK for 5 years before going abroad. Hes been driving for a year now since he came back to live, and last year he put down the date he came back to the UK and was doing some quotes for car insurance today, but didn't think he would be asked the same question again, can someone explain  why he has to put down each time when he came back, surly if he was born in UK , got a UK driving license it shouldn't  matter?

Thank you

How long have you continuously lived in the UK.

'Please enter the month & year you last became a UK resident. Insurance providers need to know this in order to provide a quote'.

JGB1955

My father was in the RAF and we moved around a lot, including postings abroad.  It would never cross my mind to reply other than 'from birth'.  I couldn't tell you when I last came 'home', other than it was over 60 years ago!

Slinky

Could be down to assessing the risk profile.  The fact that when they check the claim databases it shows there's no claim in the past 6 years is different if 5 of those years were in another country where the UK insurance companies don't have access to their claims databases to check.

Okell

buckrogers said:

My son was born in  the UK, but a year ago he worked aboard for 4 years and came back home last year, He has a UK driving license and passed his test in UK when he was 19 years old. Drive-ed in UK for 5 years before going abroad. Hes been driving for a year now since he came back to live, and last year he put down the date he came back to the UK and was doing some quotes for car insurance today, but didn't think he would be asked the same question again, can someone explain  why he has to put down each time when he came back, surly if he was born in UK , got a UK driving license it shouldn't  matter?

Thank you

... How long have you continuously lived in the UK.

'Please enter the month & year you last became a UK resident. Insurance providers need to know this in order to provide a quote'.

Seems like a perfectly clear question to me that can't really be misunderstood.  Especially the bit about "last" becoming a UK resident.

If he's been resident abroad for 4 years before retruning to the UK last year, the answer must be "One year".

If he doesn't want to say "One year" he really needs to speak to a human being at the insurance company and ask their advice.

DullGreyGuy

Every insurer will ask it or it will be in their assumptions that you click to say you agree are correct so he'll be asked the question forever more just like everyone is. 

Mildly_Miffed

He lived in another country from five years ago to one year ago.

How is anything but "one year" the correct answer to asking how long he's continuously lived in the UK, to when he most recently came to live here?

Bigphil1474

Not sure it's that simple. When you became a UK resident,  could mean a number of things, especially if you were born overseas. I get what the OP is querying, but I would suggest speaking to the insurance company and asking them to clarify. They may be looking at people who have moved to this country as opposed to people who were born here but have spent time overseas - they can't surely be the same group as the risk profile would be very different? Someone who lives in the UK for 30 years, lives abroad for a year, then comes back for a year will be very different insurance wise to someone who was born in the USA, for example, lived there for 30 years then lived here for 1 year.

buckrogers

Bigphil1474 said:

Not sure it's that simple. When you became a UK resident,  could mean a number of things, especially if you were born overseas. I get what the OP is querying, but I would suggest speaking to the insurance company and asking them to clarify. They may be looking at people who have moved to this country as opposed to people who were born here but have spent time overseas - they can't surely be the same group as the risk profile would be very different? Someone who lives in the UK for 30 years, lives abroad for a year, then comes back for a year will be very different insurance wise to someone who was born in the USA, for example, lived there for 30 years then lived here for 1 year.

Thankyou,

ill ring today to see what they say.

sheramber

buckrogers said:

Bigphil1474 said:

Not sure it's that simple. When you became a UK resident,  could mean a number of things, especially if you were born overseas. I get what the OP is querying, but I would suggest speaking to the insurance company and asking them to clarify. They may be looking at people who have moved to this country as opposed to people who were born here but have spent time overseas - they can't surely be the same group as the risk profile would be very different? Someone who lives in the UK for 30 years, lives abroad for a year, then comes back for a year will be very different insurance wise to someone who was born in the USA, for example, lived there for 30 years then lived here for 1 year.

Thankyou,

ill ring today to see what they say.

They may not speak to you as you are not the policy holder.

buckrogers

Thank you all the the responses, son emailed them,

Response was,

Have you been a UK resident for over 5 years?

'Over 5 years applies to people who were born in the UK or have lived as a permanent resident in the UK for 5 years or more'.

Okell

What question did your son ask?  I'm not sure that that answer clarifies the issue...