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Insurance query for arry or an other person in the know.

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Polarbear
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Joined: 24 Feb 2007
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PostPosted: 11:52 - 24 Mar 2017    Post subject: Insurance query for arry or an other person in the know. Reply with quote
While doing my work around canal boats and chatting to the people on board, one comment that comes up time and time again is how difficult it is to get car insurance when you live on a boat and have no bricks and mortar address.

Some have used their marina address but ones that are continually cruising have used friends/familys home address even though the car is never kept there. This obviously could be construed as fraud by the insurance companies, same as if I said I lived at my brother in laws posh house. Laughing

How do you go about insuring a vehicle with no fixed abode that is 'legal'?

How do gyppos do it, oh yes, they don't. Silly me Rolling Eyes
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Andy_Pagin
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PostPosted: 13:09 - 24 Mar 2017    Post subject: Reply with quote
Apparently Gypsies use a bona fide travellers site as their address, perfectly legal but bloody expensive.
Nosing around the internet I'm surprised I can't find a straight answer regarding narrowboat/car insurance. Someone must be specialising in this. Confused
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iooi
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PostPosted: 21:55 - 24 Mar 2017    Post subject: Re: Insurance query for arry or an other person in the know. Reply with quote
Polarbear wrote:
but ones that are continually cruising


If you are continually cruising, how to you keep the car with you?

While I know you can't go far in a day, it must be a real pain having to move the car..
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Polarbear
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PostPosted: 23:01 - 24 Mar 2017    Post subject: Re: Insurance query for arry or an other person in the know. Reply with quote
iooi wrote:
Polarbear wrote:
but ones that are continually cruising


If you are continually cruising, how to you keep the car with you?

While I know you can't go far in a day, it must be a real pain having to move the car..


The rules are two weeks max in any one place them move on at least 1 mile and a minimum of 25 miles in one direction in a year so it isn't a great hardship. Most have fold up bikes so just ride back to get the car after they have moved or bus etc. The ones that cruise every day usually don't have cars. it's the ones with jobs etc.
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Ste
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Joined: 01 Sep 2002
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PostPosted: 23:13 - 24 Mar 2017    Post subject: Reply with quote
Just use a mail forwarding service for the postal address and inform the insurance company when they move the car.

If someone is actually continously cruising then owning a car doesn't work and it's easier to get a hire car on the few occasions that they need a car.

If someone is continously cruising in a very limited area then they've already got their list of places locally they know where they can get away with leaving their car so they can quite easily just tell their insurance company where the car is being kept.

Using a friends / family home address even though the car is never kept there isn't going to end well in the event of a claim.

Basically, it's all very straight forward if you ask the insurance company and are honest with what you tell them. Thumbs Up
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iooi
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PostPosted: 08:08 - 25 Mar 2017    Post subject: Re: Insurance query for arry or an other person in the know. Reply with quote
Polarbear wrote:

The rules are two weeks max in any one place them move on at least 1 mile and a minimum of 25 miles in one direction in a year so it isn't a great hardship. Most have fold up bikes so just ride back to get the car after they have moved or bus etc. The ones that cruise every day usually don't have cars. it's the ones with jobs etc.


Thanks Thumbs Up

I think, If you are up front with the ins co. Then they should be OK.
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rhys99
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PostPosted: 20:41 - 25 Mar 2017    Post subject: Reply with quote
Andy_Pagin wrote:
Apparently Gypsies use a bona fide travellers site as their address, perfectly legal but bloody expensive.
Nosing around the internet I'm surprised I can't find a straight answer regarding narrowboat/car insurance. Someone must be specialising in this. Confused
Gypies insure cars? didn't think insurance companies would allow it to be paid cash only.
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Rogerborg
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Joined: 26 Oct 2010
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PostPosted: 22:24 - 25 Mar 2017    Post subject: Re: Insurance query for arry or an other person in the know. Reply with quote
Polarbear wrote:
The rules

Rules, or guidelines?
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Polarbear
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PostPosted: 23:45 - 25 Mar 2017    Post subject: Re: Insurance query for arry or an other person in the know. Reply with quote
Rogerborg wrote:
Polarbear wrote:
The rules

Rules, or guidelines?


Guidelines, but the consequences can be non renewal of licence which means you have to remove your boat from Canal and River Trust waters or have it removed for you and be charged for the pleasure.

So guidelines become rules Tut Tut
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Rogerborg
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PostPosted: 00:44 - 26 Mar 2017    Post subject: Re: Insurance query for arry or an other person in the know. Reply with quote
Polarbear wrote:
you have to remove your boat from Canal and River Trust waters or have it removed for you and be charged for the pleasure.

By whom, and under what statutory authority?
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Old Thread Alert!

The last post was made 7 years, 26 days ago. Instead of replying here, would creating a new thread be more useful?
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