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Thread: insurance address

  1. #1
    Regular Member chris1804's Avatar
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    Default insurance address

    cant find my last post about this so gonna re post,


    my cars insured in my mother-in-laws house (safer) but registered in my address so is my driving licence (my address) is this fraud or is it ok?

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    Regular Member mark1319's Avatar
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    What it will come down to is the insurance will say that the car has to be kept at the insured address for x amount of days per week or something similar. It isn't legal, but if the savings are good enough and you think it's worth the risk that the insurance might not pay out then go ahead.

    I had to do something similar when I moved house as they refused to insure me and I'd have to re-insure at a more expensive rate and with only 3 months left on the policy I'd have lost that years NCB. The difference between the two addresses was 175miles, but I was willing to chance it for the 3 months.

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    Regular Member chris1804's Avatar
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    do i have to change the V5 and my driving licence to my mother-in laws address were the car stays? or can i keep the V5 and licence in my address?

    because if i get pulled by the police will they say your insurance is differnt to the V5 and licence and have problems off them?

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    Regular Member mark1319's Avatar
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    if you change the v5 to your MIL's address and the car is kept there than it's fully legal. The licence wouldn't need changed as that's where you live and has no connection to the car, but they may still ask why the different addresses, but if it's registered and insured at the same address I can't see that being wrong although if you wanted to be 100% you'd need to look through the policy T&C's

  5. #5
    Regular Member chris1804's Avatar
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    Quote Originally Posted by mark1319 View Post
    if you change the v5 to your MIL's address and the car is kept there than it's fully legal. The licence wouldn't need changed as that's where you live and has no connection to the car, but they may still ask why the different addresses, but if it's registered and insured at the same address I can't see that being wrong although if you wanted to be 100% you'd need to look through the policy T&C's

    cheers mate

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    Regular Member chris1804's Avatar
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    just read up on this, the V5 and driving licence can be in my address but as long as the car stays down my mother in laws address and insured under that address its fine, but if it was insured under the MIL address and i keep it down my address then thats fraud?

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    Regular Member Ste's Avatar
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    Vehicle : Jaguar XF 3.0D V6

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    Default

    Making false claims to gain insurance IS fraud. Claiming that your car 'lives' at you MIls where in fact it 'lives' at your address is a material fact, as it would significantly affect the risk and hence the premium, to the insurance company.

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    Regular Member m8internet's Avatar
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    Check the policy for the clause on where the vehicle is kept
    My car is registered to my business address but spends more time outside my house, and the insurers have no issue with that
    After all, you can park your car anywhere in the UK and drive on any public road

    In the event of a claim the car was away from where it is normally kept, and that would normally be permitted on a policy, otherwise what would be in the point in having a car!

    As above, update the V5 for address change only, assuming the property owner permits this

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    Regular Member chris1804's Avatar
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    Quote Originally Posted by Ste View Post
    Making false claims to gain insurance IS fraud. Claiming that your car 'lives' at you MIls where in fact it 'lives' at your address is a material fact, as it would significantly affect the risk and hence the premium, to the insurance company.

    sorry i didnt say i was making a claim and i didnt say the car was insured at my MILs and parked up at my address just to make it cheaper,

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