V5 vs. License vs. Insurance Addresses
Discussion
My daughter's work takes her around the country so she tends to rent houses as she moves about.
Her car insurance address always reflects where she is living at any point in time (rental address). However her drivers license and V5 address remains my address as that is static.
Doing it this way reduces the need for frequent address changes whilst keeping the insurance address legit.
Does this arrangement invalidate insurance or break any DVLA etc rules?
Many thanks.
Her car insurance address always reflects where she is living at any point in time (rental address). However her drivers license and V5 address remains my address as that is static.
Doing it this way reduces the need for frequent address changes whilst keeping the insurance address legit.
Does this arrangement invalidate insurance or break any DVLA etc rules?
Many thanks.
MikeStroud said:
My daughter's work takes her around the country so she tends to rent houses as she moves about.
Her car insurance address always reflects where she is living at any point in time (rental address). However her drivers license and V5 address remains my address as that is static.
Doing it this way reduces the need for frequent address changes whilst keeping the insurance address legit.
Does this arrangement invalidate insurance or break any DVLA etc rules?
Many thanks.
Don't think there is any problem with insurance but no idea on the DVLA aspects. I have long done the same without issue when in rented accommodation and/or doing work abroad. I figure it's actually the most reliable way of getting in touch with me, which seems the most important thing. It also means I'm still using a paper driving licence Her car insurance address always reflects where she is living at any point in time (rental address). However her drivers license and V5 address remains my address as that is static.
Doing it this way reduces the need for frequent address changes whilst keeping the insurance address legit.
Does this arrangement invalidate insurance or break any DVLA etc rules?
Many thanks.
Many thanks for your thoughts Egomeister. I'm inclined to agree. I'm not worried about the DVLA as they can still contact her through my address if needs be but it is more the insurers view on this that is the issue, I'll read her policy carefully to see if it is mentioned. Thanks again.
Probably worth a call to the insurer to be completely certain but in normal circumstances when taking out a Policy they ask for the address where the vehicle is usually kept overnight and how it is stored i.e off road, garage etc so it sounds like she is doing the right thing. I guess they may ask a question if say the vehicle was involved in a claim incase they suspected she was insuring at a different address for a cheaper quote but I imagine she could prove where she is living through a tenancy agreement or similar?
Jamescrs said:
Probably worth a call to the insurer to be completely certain but in normal circumstances when taking out a Policy they ask for the address where the vehicle is usually kept overnight and how it is stored i.e off road, garage etc so it sounds like she is doing the right thing. I guess they may ask a question if say the vehicle was involved in a claim incase they suspected she was insuring at a different address for a cheaper quote but I imagine she could prove where she is living through a tenancy agreement or similar?
Correct, she has a tenancy AST as evidence. Many thanks.I don't know how many do this now but a couple of years ago I bought and paid for car insurance online, then (after paying) the broker wanted an online check of my licence - and they (only then) made it very clear the policy would be cancelled if the address on the licence did not match the residence address I gave.
I was OK there but could then read many reviews of people falling to this, being charged £75 to cancel - very, very easy money for the broker and at zero risk or cost to them.
Many accused them of running a scam but they are still around and to be fair (as they said) they were 'fighting fraud and only insuring legitimate customers'.
My beef was they did not tell of this check and its risks for you before taking the premium.
So anyhow, just be careful as while it seems this has not spread too much to other providers, it could well do so.
I was OK there but could then read many reviews of people falling to this, being charged £75 to cancel - very, very easy money for the broker and at zero risk or cost to them.
Many accused them of running a scam but they are still around and to be fair (as they said) they were 'fighting fraud and only insuring legitimate customers'.
My beef was they did not tell of this check and its risks for you before taking the premium.
So anyhow, just be careful as while it seems this has not spread too much to other providers, it could well do so.
jondude said:
I don't know how many do this now but a couple of years ago I bought and paid for car insurance online, then (after paying) the broker wanted an online check of my licence - and they (only then) made it very clear the policy would be cancelled if the address on the licence did not match the residence address I gave.
I was OK there but could then read many reviews of people falling to this, being charged £75 to cancel - very, very easy money for the broker and at zero risk or cost to them.
Many accused them of running a scam but they are still around and to be fair (as they said) they were 'fighting fraud and only insuring legitimate customers'.
My beef was they did not tell of this check and its risks for you before taking the premium.
So anyhow, just be careful as while it seems this has not spread too much to other providers, it could well do so.
It does sound rather sharp practice. It's not like having cars at multiple addresses would be all that uncommon (for example, working in London but having a house in Scotland so you end up with a vehicle registered at both addresses)I was OK there but could then read many reviews of people falling to this, being charged £75 to cancel - very, very easy money for the broker and at zero risk or cost to them.
Many accused them of running a scam but they are still around and to be fair (as they said) they were 'fighting fraud and only insuring legitimate customers'.
My beef was they did not tell of this check and its risks for you before taking the premium.
So anyhow, just be careful as while it seems this has not spread too much to other providers, it could well do so.
DocJock said:
Her driving licence and V5 should show where she s living. There is a maximum fine of £1000 for having the incorrect address on the documents.
Whether that is ever enforced is another matter...
The DVLA say "You do not need to tell us if you move temporarily (for example you’re living away at university) if we can still contact you at your permanent address.". OP doesn't mention how long the daughter stays at each location, but it seems they know it will be a regular move around. If she is contactable at the listed address then I doubt the DVLA would have a problem with it. It's likely better than them updating the address but then forgetting to do it once.Whether that is ever enforced is another matter...
I have my cars registered to my parents address along with my licence. The cars are insured at my address (100+ miles away).
I do it as I am often away and wanted to avoid the situation that I may miss a speeding ticket.
I was followed back to my house by a policeman a couple of years ago late one night.. produced my licence which was registered to my parents address and he checked the insurance was valid at my address and all was fine..He didn't even mention anything about the licence.
I'm sure that as long as her insurance is clear about her residence and her licence is valid she will be fine.
The only initial problem I had was when dealing with the insurance broker was I had to send a photo of the licence in and initially they were querying the different address... Once I explained why they were fine. Ultimately, she is doing the same as me..declaring the car at a different address
I do it as I am often away and wanted to avoid the situation that I may miss a speeding ticket.
I was followed back to my house by a policeman a couple of years ago late one night.. produced my licence which was registered to my parents address and he checked the insurance was valid at my address and all was fine..He didn't even mention anything about the licence.
I'm sure that as long as her insurance is clear about her residence and her licence is valid she will be fine.
The only initial problem I had was when dealing with the insurance broker was I had to send a photo of the licence in and initially they were querying the different address... Once I explained why they were fine. Ultimately, she is doing the same as me..declaring the car at a different address
Edited by slk 32 on Saturday 11th July 02:27
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