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Thread: is this ok

  1. #1
    Regular Member chris1804's Avatar
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    Default is this ok

    insure my car in my mother in laws address (thats where it stay at night),, and have the car log book in my address and licence in my address ? is it ok or is it fraud??? because when doing insurance quote it does state for the postcode were the car will be parked at night

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    Regular Member Handyandy-UK's Avatar
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    Vehicle : BMW 525i

    Trim : SE Touring

    Engine : 3.0

    Year : 2007

    Default

    As far as I can see if the mother-in-law's is the MAIN location the vehicle is 'stored' when not in use, then it's perfectly ok to declare that, despite your V5 and licence contact address being elsewhere. Just be aware you may have to justify the difference in the case of any investigation.

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    Ex Vec-C Admin Deztroyer's Avatar
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    as above you should be ok as it states where stored overnight

    and for those members who state their car is kept in a garage ovenight
    if its stolen/damaged and its not done in the garage ...then the insurers have to right to refuse payment as its not as per the policy

    0-Large smile ......every time it's driven

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    Regular Member jordib's Avatar
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    I had my car registered to my home address in northern ireland, but insured it to my address in scotland (only here for uni), i had to make a claim and it went thru fine.

    As long as its at the address u have insured it at for the majority of the year then you are fine. Thats what i was told anyway.

  5. #5
    Regular Member chris1804's Avatar
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    Quote Originally Posted by Handyandy-UK View Post
    As far as I can see if the mother-in-law's is the MAIN location the vehicle is 'stored' when not in use, then it's perfectly ok to declare that, despite your V5 and licence contact address being elsewhere. Just be aware you may have to justify the difference in the case of any investigation.
    Quote Originally Posted by deztroyer View Post
    as above you should be ok as it states where stored overnight

    and for those members who state their car is kept in a garage ovenight
    if its stolen/damaged and its not done in the garage ...then the insurers have to right to refuse payment as its not as per the policy

    will have to tell that my mate he told the insurance he keeps it in a garage and dont,

  6. #6
    Regular Member chris1804's Avatar
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    Quote Originally Posted by jordib View Post
    I had my car registered to my home address in northern ireland, but insured it to my address in scotland (only here for uni), i had to make a claim and it went thru fine.

    As long as its at the address u have insured it at for the majority of the year then you are fine. Thats what i was told anyway.


    so i wont have to change log book and licence to mother in laws address, reason im asking is if i ever get pulled over buy the police and they say whats your address, i tell them my address and they say its not insured to that address?

  7. #7
    Regular Member Handyandy-UK's Avatar
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    Vehicle : BMW 525i

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    Default

    Quote Originally Posted by chris1804 View Post
    so i wont have to change log book and licence to mother in laws address, reason im asking is if i ever get pulled over buy the police and they say whats your address, i tell them my address and they say its not insured to that address?
    Plod are only really interested that the driver is legally insured to drive that vehicle on the public highway.
    They couldn't give a monkey's that the driver's address is listed as London and the vehicle owner's address is listed on the V5 as Oxford..... who;s to say the driver isn't the ower ? You lend your vehicle in Glasgow to your mate for a week and he's over from Exeter - his insurance covers him to drive your car... no problem with the address...

  8. #8
    Regular Member chris1804's Avatar
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    Quote Originally Posted by Handyandy-UK View Post
    Plod are only really interested that the driver is legally insured to drive that vehicle on the public highway.
    They couldn't give a monkey's that the driver's address is listed as London and the vehicle owner's address is listed on the V5 as Oxford..... who;s to say the driver isn't the ower ? You lend your vehicle in Glasgow to your mate for a week and he's over from Exeter - his insurance covers him to drive your car... no problem with the address...

    cheers for info,

  9. #9
    Regular Member Grahamy's Avatar
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    Quote Originally Posted by deztroyer View Post
    as above you should be ok as it states where stored overnight

    and for those members who state their car is kept in a garage ovenight
    if its stolen/damaged and its not done in the garage ...then the insurers have to right to refuse payment as its not as per the policy

    it is if you smash the garage lock
    oops, did i say that out loud

  10. #10
    Regular Member lizard's Avatar
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    Dont know if this helps but my cars main insurance address is my works yard because its there most of the time as i work away all week, car is still registered in to my home address though. HTH

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