bigsexydoug Posted May 9, 2013 Share Posted May 9, 2013 My car Insurance is due for renewal soon, which would I classify as "home" legally , the flat where my post goes to or my partners flat where I spend the majority of my time, both these options leave me liable to serious questions if anything should happen ? I just want to be safe and not sorry ! Link to comment Share on other sites More sharing options...
alchresearch Posted May 9, 2013 Share Posted May 9, 2013 They normally ask for the location of where the car is kept overnight. It might be worth asking a broker and making sure its recorded on your policy. Link to comment Share on other sites More sharing options...
AF Removals Posted May 9, 2013 Share Posted May 9, 2013 Does it matter? Non of my vehicles are registed to my place Link to comment Share on other sites More sharing options...
bigsexydoug Posted May 9, 2013 Author Share Posted May 9, 2013 Does it matter? Non of my vehicles are registed to my place Of course it matters, I could say I lived in dore yet live on the manor this saving hundreds of pounds, if I was then to have an accident my Insurance would be invalid. But seeing as I live at 2 property's I have hit a grey area and need to know which to classify as my "home" so I'm on the right side of the law Link to comment Share on other sites More sharing options...
truman Posted May 9, 2013 Share Posted May 9, 2013 Of course it matters, I could say I lived in dore yet live on the manor this saving hundreds of pounds, if I was then to have an accident my Insurance would be invalid. But seeing as I live at 2 property's I have hit a grey area and need to know which to classify as my "home" so I'm on the right side of the law Does the insurance company ask where "home " is or does it ask where the car is kept? Link to comment Share on other sites More sharing options...
alchresearch Posted May 9, 2013 Share Posted May 9, 2013 Kept overnight. They normally allow for circumstances if you're not at the "registered" address if you're on holiday or casually staying overnight somewhere. But the OPs situation is different, and could be just enough for them to cancel the insurance or weasel out of paying if the car is damaged or stolen. Link to comment Share on other sites More sharing options...
vwkittie Posted May 9, 2013 Share Posted May 9, 2013 Does the insurance company ask where "home " is or does it ask where the car is kept? I think your 'home address' and 'where is the car usually kept overnight' might be two separate questions, but not totally sure. How would they know if you weren't just staying there for the odd occasion, should you need to claim? Do they go around questioning the neighbours or what? That's a genuine query by the way, not condoning doing anything naughty, I just would have thought investigating every claim would cost more than just paying out. Link to comment Share on other sites More sharing options...
monkey69 Posted May 9, 2013 Share Posted May 9, 2013 Home is where your driving license address is, otherwise your breaking the law. you have to inform the DVLA of a change of adress Link to comment Share on other sites More sharing options...
Waypher Posted May 9, 2013 Share Posted May 9, 2013 My car Insurance is due for renewal soon, which would I classify as "home" legally , the flat where my post goes to or my partners flat where I spend the majority of my time, both these options leave me liable to serious questions if anything should happen ? I just want to be safe and not sorry ! I'd say your real home is where you keep your fishing tackle. Link to comment Share on other sites More sharing options...
martss Posted May 9, 2013 Share Posted May 9, 2013 I work shifts, mornings and nights, I asked my insurance company about the question "where is the vehicle kept overnight?" In theory half the year it's at home, the other half it's at work, they said you should put the address of where you sleep as where the vehicle is kept. Link to comment Share on other sites More sharing options...
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