Odd insurance question, regarding multiple addresses

[Derivative]

Does anyone here not have one fixed address during the year?

Reason I ask is that I stay at University for half the year and home for the rest. Time at each address is virtually identical.

Is it legitimate to change my license address to the University one and go with that on the insurance? Far cheaper in that postcode (saves £100-150 depending on the bike).

Or is it a case of ringing the insurance co and explaining the situation? It wouldn't be ideal to have them refuse a claim because I'm riding 200 miles from home.

Next year it gets more clear cut because I'll be there for 40 weeks so definitely able to use that address.

Cheers.

[Pete.]

My daughter has this exact same situation with her car. It's at home right now but will be in Cambridge from september onwards when she starts yr 2 at Uni.

12mths premiun at home - £1060
12 months premium at uni digs - £870

I asked the insurance company and they said insure it at home right now and change the address when she takes the car off to Uni, then they'll refund the pro-rata difference, so we'll get probably £100 less admin fees back.
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[Derivative]

[iooi]

I would speak to the Ins co about this.

Clearly if you insure at whichever is the cheapest and something happens at other address and they find out that you reside there for a good % of the year, you are giving them a excuse not to pay.

Clearly this cannot be a uncommon situation for them, given the number of students there are....
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Just because my bike was A DIVVY, does not mean i am......

[Derivative]

[Redoko]

When I queried my insurance about this they told me I needed to tell them where my permanent address is.

They defined that as where the bike will be for 51% of the year.

Which was at home, just.
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"Let's face it, this is not the worst thing you've caught me doing."
Sudika Sportsman SK50QT > Gilera DNA50 > Honda CBR125 RW7 > Kawasaki Zephyr750 > Suzuki GSXR600 > Honda Hornet CB600F '51

[Derivative]

[Cunnington]

I've always gone by the address on my driving licence / V5. If I am going to be there long enough to warrant changing my address, then that's the address it is insured at.

That said, I've been settled for the past decade and insurers have probably got a bit more arsey about things like this - anything to avoid a payout.
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'82 C50, '81 CB100, '84 GS125, '95 NTV650, '00 Bandit 600, '06 SV650, '56 Z1000, '89 NTV600
The Shaggy D.A. wrote: "You are invisible. Those who can see you are trying to kill you."

[Rogerborg]

Give them all the information - by email, ideally - and let them sort it out.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[Raffles]

[MG]

I'm with bikesure and when I joined and told them I was student they wanted both addresses and said I'd be paying a premium dependent on my home address (£90 higher) and as I barely have the bike there at all, I just told them to take that address off.

But maybe your insurer will take both addresses into account like that?
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'03 Honda Cityfly 125 > '02 Honda CB500S > '98 Honda CBR600F