Car Insurance - Multiple Addresses

[Nick 50]

So I will be graduating in July and have been offered a job in Cumbria which is some 150 miles away. This will mean working away from home.

We currently have a car (Car A) which is in my name with the mrs down as a named driver. The premium doubles if were to swap it round.

If I take the job, I will be get another car (Car B) to go back home for the weekends.

Can I insure one Car (Car B) where I will be working (once I find somewhere to live of course) and the other (Car A) still at my home address?
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Current Bikes: ZX7r 97 (Black Beauty), VFR400 NC24 (The banana)
Previous Bikes: Aprilia Tuono 03 (The Beast), CBR600f (97)
First bike: A GZ125 Lemon.......

[Deso]

Just call a few insurance company's including your own and see what they advise.
They are the best people to speak to I would imagine.
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What if the whole world farted at once?

[P.]

Me... id insure the new car to the cheapest address. I've got 3 policies 2 of which are in Maidstone and 1 in Sittingbourne. No one has cried yet.

[Error 650]

I had the same issue. My Insurer told me it was where your driving licence was registered at. In fact that is one of the clauses on the policy. I think it's so you don't register yourself living at your nan's house in some quaint old village where insurance is low.

[P.]

[arry]

[Nobby the Bastard]

[Vincent]

This is what Admiral say:-

[C]hange where your car is parked at night[?] - usually keep it on the drive but now need to keep it on the street? You need to let us know straight away just in case something happens. For example, if you've told us the car is on your driveway at night but someone smashes into it because it's parked on the road at midnight, it could invalidate your insurance.

Its effing rediculi. They're imlying you're vehicle isn't insured if parked overnight elsewhere but where you've said. I'm sure they're trying to frighten folk into avoiding parking it somewhere different.
I like to now my bike/car is insured wherever I choose to park it. They assume we all sleep in the same bed every night "'any port in a storm" me
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Space Is Deep

[Nobby the Bastard]

[Deso]

[Vincent]

Like I said....it's rediculi.
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Space Is Deep

[Ste]

If you continue insuring car A with you as the main driver whilst you're living 150 miles away every Monday to Friday using vehicle B, should your missus be involved in a claim with vehicle A then I can think of various awkward questions the insurance company might ask in regards to how your missus is insured as a named driver when she's obviously the main driver.

With just a few questions the situation would be very clear and the insurance cover would be invalidated.

Until she tries to make a claim against the insurance, it's just an expensive piece of paper.

[Rogerborg]

[The Wobbly Orange]

I am in the Royal Navy. My license address remains my parental address but I insure where I am based. I once was involved in a spill thanks to an inattentive man in a Volvo. Got a weird look from police officer when that info came through on their radio. Nothing said. Nothing came of it. Whole thing went through no issues. Best bet is to insure where you spend most of your time.
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People tell me I am lovely. How wrong they are!

[Omega]

When I read the small print ages ago I decided I was OK as long as I was outside a certain radius of the house (radius was in the small print). I had my bike down as garaged at night when I am at home but I work nights so it spends half the time outside work.

If I left it on the road at home overnight I wouldn't be covered* but if it got stolen from outside work 10 miles away I would be.

*I say not covered but I think it doubled my excess or something like that rather than not paying out at all.

[Error 650]

I've a mate in Goodmayes (nr Ilford), his bike got stolen and because his licence was at his home address and the bike registered at another and kept at another the insurance declined to pay out. It was an older model Fazer worth about £1500, they paid nothing.

[Rogerborg]

How did his court claim against them go?
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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

[Error 650]

It never, it was in the small print, he was insured through ASDA. Well Asda money being the broker.

[arry]

Just where is this small print you all talk of?

[Error 650]

On his policy. He never got paid out. I live in tooting but my parents moved to Dorset, if I insured my bike from their address it's half price but as I don't live there it will cause issues. Mike my mate never got paid out, they refused point blank.

[P.]

[arry]

So in other words - he attempted to defraud an insurance company by misrepresenting his risk because he lived in a shithole and he didn't like the look of the premium. But they didn't pay out 'cos small print'

[Error 650]

[arry]

[Nick 50]

Thanks for the replies, very helpful. I think best course of action would be to speak to insurers and see what they advise.


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Current Bikes: ZX7r 97 (Black Beauty), VFR400 NC24 (The banana)
Previous Bikes: Aprilia Tuono 03 (The Beast), CBR600f (97)
First bike: A GZ125 Lemon.......