"Does the driver own or use another vehicle?" "Where is the vehicle kept?"

martyp

Hi all,

Can anyone advise if this question has much of an effect on car insurance policies?

You only ever get one option to choose yet 3 tend to be applicable to me:

• I own another vehicle although it isn't roadworthy and SORN'd
• I am a named driver on another family member's car although have rarely driven it
• Am covered to drive the company pool car at work but have never driven it but may have a need to some time.
  

I never know which to select as such? Does anyone know if it makes much of a difference?

Also I park on the driveway and on the road about half and half, guessing driveway is considered better than road?

Myci85

Driveway definitely better I would say, though I only realised recently, some insurers do actually check you have a driveway! We moved last year to a house that the address makes it look like it's in a cul de sac of houses (none of which have drives) but we're actually on the road just before the cul de sac and have a drive. Insurer called me up to ask where the drive was as they couldn't see it on Google maps!

The other question I've no idea what impact it has on the insurance premium, but I would say 100% you have to answer yes to that question as you do both own and drive, even occasionally, other cars. 

kinger101

Well you own another vehicle.  And drive another one.  So you know the answer.  You've more to lose than gain by thinking the answer is something else.

martyp

Thanks, interesting they actually went so far to check on Google Maps. My road is a cul de sac so generally only cars for the houses in the street come into it rather than on a main road with cars going past all the time.

The problem with the question on the own and use is 3 of the different options apply to me so hard to know which one would have the most benefit.