Insurance address

[RickfocusST]

Morning. Not going into details but I've recently moved address so I changed my car insurance details over. Does the V5 have to match this said address? What are the legal issues should I ever need to claim etc? I have kept all other details registered at my old address and I won't be changing them over. Is what I am doing illegal?

[tapereel]

If the police send an s172 request for the driver to your V5 address and you don't reply then you will get a fine and 6 points on your licence and possible another 3 for an offence for which they seek the driver.
Just change the V5 address, why wouldn't you?

You may be committing an offence too as you vehicle is not correctly registered:

From Vehicle Excise and Registration Act 1994

43.C Offence of using an incorrectly registered vehicle

(1)A person is guilty of an offence if, on a public road or in a public place, he uses a vehicle to which subsection (2) applies and in respect of which—
(a)the name and address of the keeper are not recorded in the register, or
(b)any of the particulars recorded in the register are incorrect.
(2)This subsection applies to a vehicle if—
(a)vehicle excise duty is chargeable in respect of it, or
(b)it is an exempt vehicle in respect of which regulations under this Act require a nil licence to be in force.
(3)It is a defence for a person charged with an offence under subsection (1) to show (as the case may be)—
(a)that there was no reasonable opportunity, before the material time, to furnish the name and address of the keeper of the vehicle, or
(b)that there was no reasonable opportunity, before the material time, to furnish particulars correcting the incorrect particulars.
(4)It is also a defence for a person charged with an offence under subsection (1) to show—
(a)that he had reasonable grounds for believing, or that it was reasonable for him to expect, that the name and address of the keeper or the other particulars of registration (as the case may be) were correctly recorded in the register, or
(b)that any exception prescribed in regulations under this section is met.
(5)A person guilty of an offence under this section is liable on summary conviction to a fine not exceeding level 3 on the standard scale.
(6)The Secretary of State may make regulations prescribing, varying or revoking exceptions for the purposes of subsection (4)(b).
(7)In this section—
“keeper”, in relation to a vehicle, means the person by whom it is kept at the material time;
“the register” means the register kept by the Secretary of State under Part 2.]

Edited by tapereel on Friday 10th July 09:30

[RickfocusST]

The old address is my mums house which I have just moved out of. I will still have access to all my post which is sent there

[selwonk]

RickfocusST said:

I have kept all other details registered at my old address and I won't be changing them over.

Why?

[andburg]

I take it you are renting then, make a list of everything and change the addresses.

Next time you move you have a list, most things these days you can change address online its not a huge hassle

[ging84]

tapereel said:

If the police send an s172 request for the driver to your V5 address and you don't reply then you will get a fine and 6 points on your licence and possible another 3 for an offence for which they seek the driver.
Just change the V5 address, why wouldn't you?

You may be committing an offence too as you vehicle is not correctly registered:

From Vehicle Excise and Registration Act 1994

43.C Offence of using an incorrectly registered vehicle

(1)A person is guilty of an offence if, on a public road or in a public place, he uses a vehicle to which subsection (2) applies and in respect of which—
(a)the name and address of the keeper are not recorded in the register, or
(b)any of the particulars recorded in the register are incorrect.
(2)This subsection applies to a vehicle if—
(a)vehicle excise duty is chargeable in respect of it, or
(b)it is an exempt vehicle in respect of which regulations under this Act require a nil licence to be in force.
(3)It is a defence for a person charged with an offence under subsection (1) to show (as the case may be)—
(a)that there was no reasonable opportunity, before the material time, to furnish the name and address of the keeper of the vehicle, or
(b)that there was no reasonable opportunity, before the material time, to furnish particulars correcting the incorrect particulars.
(4)It is also a defence for a person charged with an offence under subsection (1) to show—
(a)that he had reasonable grounds for believing, or that it was reasonable for him to expect, that the name and address of the keeper or the other particulars of registration (as the case may be) were correctly recorded in the register, or
(b)that any exception prescribed in regulations under this section is met.
(5)A person guilty of an offence under this section is liable on summary conviction to a fine not exceeding level 3 on the standard scale.
(6)The Secretary of State may make regulations prescribing, varying or revoking exceptions for the purposes of subsection (4)(b).
(7)In this section—
“keeper”, in relation to a vehicle, means the person by whom it is kept at the material time;
“the register” means the register kept by the Secretary of State under Part 2.]

No offence is committed, provided you have a valid address, one where you can receive correspondence. It does not need to be the address the vehicle is kept at, nor the registered keepers primary residence.

[Rangeroverover]

Let me guess, your mums house in in a cheaper insurance area, possibly with a Locked garage that the insurers think the car will be in overnight

Or

I'm just cynical

(I know I am leaving myself open to many extra "or" additions

[Mandat]

Rangeroverover said:

Let me guess, your mums house in in a cheaper insurance area, possibly with a Locked garage that the insurers think the car will be in overnight

Or

I'm just cynical

(I know I am leaving myself open to many extra "or" additions

That's pretty much irrelevant, since the OP has already said that the address for insurance purposes has been changed to the new address. The OP is asking whether the V5 address needs to be changed as well.

[spitfire-ian]

Rangeroverover said:

Let me guess, your mums house in in a cheaper insurance area, possibly with a Locked garage that the insurers think the car will be in overnight

Or

I'm just cynical

(I know I am leaving myself open to many extra "or" additions

He's moved the insurance to his new address, it's just the V5 with the old address on it.

I did that for years and as people have said, as long as you can receive anything sent to the other address there's not a problem.

[Retroman]

Rangeroverover said:

Let me guess, your mums house in in a cheaper insurance area, possibly with a Locked garage that the insurers think the car will be in overnight

Or

I'm just cynical

(I know I am leaving myself open to many extra "or" additions

The OP said he changed his insurance details over, just the license, and V5 remain at the old address

[Eclassy]

^^^^^

So you missed the opening sentence where OP stated he has changed insurance details to his new address?

There are many valid reasons OP would want to leave all documents registered at his old address. An example is if he plans to apply for a mortgage soon.

[over_the_hill]

I assume this is because the OP does not want the grief of changing loads of documents over to a new temporary (rented) address which may have to be done again (and again) if he decides to move in a few months time. This being the case I would agree with the OP and leave them with the home (mums) address. He will have access to the mail so no chance of missing anything and also no chance of forgetting to change something later that will otherwise go to the previous rented address and then who knows where.

This would be a very sensible approach for e.g. a student who might change address a lot in term time but retain the same permanent home address.

The OP has changed the insurance address so nothing wrong there - i.e. the address at which the vehicle is most often kept or based at.