im due for car insurance, all the quotes i have been getting are £500 + for insurance at my home address, last year I paid £340, so its gone up

been checking web comparisons sites, I used a relatives postcode and the insurance has come down to £338 a big saving

what i want to ask is can i insure my car at my relatives postcode for overnight parking and have the correspondence sent to my own house

and what address do i give if i had an accident?

Im pretty sure you cannot.

Any misrepresentation on your behalf could cause a whole load of trouble in the future.

However - if the policy allows you to specify a contact address... along with a seperate address for where the car is parked overnight, this would be no problem provided you did actually park your car there overnight.

the policy allows you to put a contact address and an address for where the car will be parked overnight, is that o.k

So long as you really do intend to leave the car there overnight - i guess it would be ok.

You will only get into bother if you are doing this to mislead the insurers into giving you a cheaper premium on the basis that the car will be parked at the relative's address when in fact you will be parking it at your home address.

However - as with most things insurance related, its not always clear cut. For example.... how often does the car have to be parked at the relatives address? I put my home address down as the location for overnight parking on my policy, however the car is often parked overnight over 230 miles away when i am visiting my girlfriend...?!

I would say the best thing to do is be honest with the insurers and when it asks for where the car will be parked overnight - give the address of where you genuinely anticipate the vehicle will be parked most of the time.

Failing this - call the insurance Co and ask.

The overnight parking location is where the car is MOST parked.

If you do not put the correct address, and the car is stolen from the ACTUAL parking location, expect (in best case scenario) any claim to be refused.

What you suggest is insurance fraud, and is a criminal offence.

I am also in the position of looking for car insurance. My girlfriend's postcode as overnight (which is 220 miles away - eerily similar to above poster) is £280, and in the previous year I parked there over 50% of the time (meaning under 50% of the time I was parked at home). However, it is £460 at home. I plan to move into the general area where my GF is soon anyway, and have always used my home postcode, although am tempted to provide my GF's.

The overnight parking location is where the car is MOST parked.

 

If you do not put the correct address, and the car is stolen from the ACTUAL parking location, expect (in best case scenario) any claim to be refused.

 

What you suggest is insurance fraud, and is a criminal offence.

Your post is somewhat confusing. Are you saying it is illegal to park overnight anywhere other than the postcode you gave? It would be seriously bad luck to give a postcode at where you *did* ordinarily park, but you happened to park at your home address for a few nights and your car was stolen, then the claim was refused because it was not parked at the postcode given. It's not always practicable to park the same place every single night, and it would get rather irritating to keep phoning the insurance company up every week to tell them a different postcode (especially when they will no doubt apply a stupid £20 admin fee, as well as any increased premium).

Thats not what I said at all.

What I said was that if you declare a main postcode that is NOT your main postcode you are committing fraud.

Not that you can never park anywhere else.

No confusion at all.

ITs the same as having a named driver on an insurance policy. That named driver CANNOT drive the car more than the policyholder (i.e. the main driver).

The answer to your questions is NO, you cannot use an accomodation address to secure cheaper insurance. As MrShed has already pointed out it is fraud, and will invalidate your insurance.

You MUST declare to your insurers your true and correct address when you take out an insurance policy, whilst it may be tempting to use an accomodation address because that postcode attracts a lower premium it will only end in tears should you do that.

Insurers are well aware that people try and do this and they have many many different ways of establishing where this type of fraud has been committed, trust me, they will find out, you will not have insurance, you will then find it harder to get any future insurance, you will be left facing a huge financial liability if you are involved in an accident and you could possibly find yourself with a criminal record.

Tell the truth and pay the premium.

Mossy

You MUST declare to your insurers your true and correct address when you take out an insurance policy, whilst it may be tempting to use an accomodation address because that postcode attracts a lower premium it will only end in tears should you do that.

Read again...

can i insure my car at my relatives postcode for overnight parkingcorrespondence sent to my own house and have the

In other words they want to put the postcode the car is parked at and provide their home address. So long as they do park at that postcode it is perfectly acceptable IMO.

Yes of course it is - IF they actually park there.

And let us not forget that every policy, every application is passed and stored on the Insurance Hunter (IH) database, so they will quickly spot speculative 'fishing' for cheap quotes, and use this intelligence to reject any subsequent laim by the policyholder (only paying out for the Third Party).

Of course you can use your relatives postcode, as soon as you have moved in with them of course.

Certain postcodes attract a higher premium for a reason, not just at a whim of the insurer, your postcode is deemed a higher risk, therefor more likely to result in a claim. So looking at it this way you realise you will be getting the same value for money that EVERYONE else does.

Pay the proper premium for where the car will be parked, ie your home address.

And let us not forget that every policy, every application is passed and stored on the Insurance Hunter (IH) database, so they will quickly spot speculative 'fishing' for cheap quotes, and use this intelligence to reject any subsequent laim by the policyholder (only paying out for the Third Party).

So people's circumstances never change? and they never think ok this time I will park somewhere different this year as I've had lots of trouble with anti-social chavs damaging my car? Also, if insurance fraud is detected they will pay out third party then sue the policy holder for the amount.

Of course you can use your relatives postcode, as soon as you have moved in with them of course.

 

Pay the proper premium for where the car will be parked, ie your home address.

You don't have to live somewhere to park somewhere. Show me which law states that. Not everyone is as fat and lazy as you might come across by making that assumption. Some people are happy to do something called walking, especially if they have had problems with repeated criminal damage parking outside their own house.

It's no surprise also that insurance is cheaper where there is less risk. I.e. higher insurance cost = more risk of criminal damage. It's also no surprise people want to reduce the risk to their property. One way of doing this is parking elsewhere. If you take the effort of reducing that risk by parking elsewhere, why should you pay based on the risk at your own house because someone on the internet assumes everyone is lazy and can't walk?!

Hi I bought a car several months back from a 28 year old who had 3 years no claims who was paying £237.00 fully comp car insurance .... I bought the car thinking thats not a bad price at all he showed me is insurance and also the cost of renewal ... I CONTACTED MY INSURANCE TO CHANGE OVER from the vehicle I was insured on ... I was initionaly paying £197.00 fully comp

Anyway the vehicle ide just baught fully comp with 13 years no claims and aged 49 from my insurance was wanting £750.00 I asked why and was told it was my post code .. come on I only live 5 minutes away from the address were the young lad lived and was only paying £237 .00

I used a comparison site as my insurance was due for renewal anyway .. and the cheapest I could find was £ 490.00 for the car I had just baught ..

Since then Ive spoke to 4 other young lads who also drive the same car and are all paying under £300.00 fully comp ..out of curiosity I typed his post code in over the road ..AND I was qouted £167.00

So I can understand why so many are frustrated when obtaining car insurance especially after obtaining full no claims.. its such a insurance [problem] .. myself and others like me who are in the same situation are being wripped of by insurance companies and the goverment / trading standards or the ombudsman are doing nothing about it ... even if you are in a high risk area post code .. and have over 13 years no claims ..give yourself a pat on the back .. as the insurance companies dont give a damn .. ( High risk area post code ..sting them )

Removed.

i've just got my renwal through, to find that my insurance has doubled since last year,

i haven't made any claims or got any convictions, and have 9 years no claims .........what i can't understand is how my premium can double when nothing on my policy has changed,

my premium for a year is now more than what my car is worth.

i have also tried changing my post code on price comparison websites to see the difference it makes.

if i park my car on the roadside at night, 2 roads away from my house the quotes are halved.

as it falls into a different postcode area................how can they justify this when it is only a few hundred metres difference ????

last year i was paying £680 for fully comp, my renewal price is £1360. if i continue to park my car at my home address overnight.

if i park it 2 roads away at night, i have been quoted £543.

Insurance is a joke!

My renewal has come through with 10 NCB fully comp £336 it was £328 last year, if I do a fresh quote with the SAME insurers it comes out at £274. Work that one out!!

sometimes you get a new client discount! so sometimes worth switching.

I have a slightly different situation but need some advice.

My girlfriend has 15 years NCD and I have always been the named driver. Now at the place where she lives there is restrictive parking and no on street parking due to the tenancy agreement . Due to a mix up she has lost her bay so can no longer park at her house. So I have to get a permit at my address, I don't want to change the insurance into my name as she is still the main driver and nothing has changed other than the place the car is kept overnight.

I have the additional problem and that is in order to obtain a permit I had to change the registration doc to my name. The car is still hers even though the car is registered at my address purely for the proposes of parking. It is our intention to inform the insurance but only when I renew the policy in September 2013. Cancelling is not an option as there is a massive cancellation fee and insuring the car in my name will increase our insurance by over 50%.

I don't see that I'm doing any thing wrong but was wondering what would happen if I was to inform them of the situation.

I have a slightly different situation but need some advice.

My girlfriend has 15 years NCD and I have always been the named driver. Now at the place where she lives there is restrictive parking and no on street parking due to the tenancy agreement . Due to a mix up she has lost her bay so can no longer park at her house. So I have to get a permit at my address, I don't want to change the insurance into my name as she is still the main driver and nothing has changed other than the place the car is kept overnight.

I have the additional problem and that is in order to obtain a permit I had to change the registration doc to my name. The car is still hers even though the car is registered at my address purely for the proposes of parking. It is our intention to inform the insurance but only when I renew the policy in September 2013. Cancelling is not an option as there is a massive cancellation fee and insuring the car in my name will increase our insurance by over 50%.

I don't see that I'm doing any thing wrong but was wondering what would happen if I was to inform them of the situation.

One of the questions they would have asked your girlfriend when she insured the car was "Are you the owner and the registered keeper", I'm guessing she said yes because at that time she was, however, that is no longer the case and I would strongly advise you to declare that fact.

Worst case scenario, you have an accident, your insurers state that a material fact was not declared and they void the insurance, you are then left to pay all the costs.

It's not worth the risk, tell them NOW

Mossy

One of the questions they would have asked your girlfriend when she insured the car was "Are you the owner and the registered keeper", I'm guessing she said yes because at that time she was, however, that is no longer the case and I would strongly advise you to declare that fact.

 

Worst case scenario, you have an accident, your insurers state that a material fact was not declared and they void the insurance, you are then left to pay all the costs.

 

It's not worth the risk, tell them NOW

 

Mossy

Common sense tells me that your right and I will most probably inform them, the other option I have is to obtain the permit and then transfer her back as the register owner which is the worst of two evils and then inform them of the change in parking location.

I can't put the car insurance in my name as this is fronting, I feel I'm being forced into playing games. In an Ideal world you would ring the insurance company explain the circumstances and they would make the necessary changes , but they will most probably hike up the premium just because they got her over a barrel. I am a firm believer in honesty being the best policy but in this case I'm not so sure

Insurance is a joke!

 

My renewal has come through with 10 NCB fully comp £336 it was £328 last year, if I do a fresh quote with the SAME insurers it comes out at £274. Work that one out!!

Ask your insurer to match the new quote. They will often do that.

Insurers are very suspicious. I asked my insurer to match a quote I had on a comparison website, and they did moan, and even suggested I might have given the wrong address on the comparison website. I sent them a copy of what I had entered, and they matched the quote.

The OP is obviously wanting to lie about his address to get a cheaper car insurance quote.

Not hard to understand why that is not allowed really...

The OP is obviously wanting to lie about his address to get a cheaper car insurance quote.

 

Not hard to understand why that is not allowed really...

I was under the impression he was going to park the car at the new address/location and walk home as it was just a few streets away?