Insurance address
Discussion
Disclaimer: I do not participate in, nor do I encourage the actions here.
Leeds is an expensive city to insure a car in. The villages around Leeds are not. How can insurers prove where you live in the event of an accident? With so many companies going paperless now all you need is an email address to receive documents etc, in a real example a family member (parent) lives within 20 minutes of subject A, and quotes for insuring the car there were around a third of the cost, could they actually insure it there and get away with it? I've always been under the impression that they will find out and then you'll be in a whole world of s
t, hence when I could have done that I didn't, but when someone recently asked how they'd know, I was a bit stumped.
Leeds is an expensive city to insure a car in. The villages around Leeds are not. How can insurers prove where you live in the event of an accident? With so many companies going paperless now all you need is an email address to receive documents etc, in a real example a family member (parent) lives within 20 minutes of subject A, and quotes for insuring the car there were around a third of the cost, could they actually insure it there and get away with it? I've always been under the impression that they will find out and then you'll be in a whole world of s
t, hence when I could have done that I didn't, but when someone recently asked how they'd know, I was a bit stumped.Most insurers run identity checks when you take out a policy these days so it would be obvious you don't live at the address you provide. Plus, if you are caught, expect a world of pain from the police and the insurance company.
I've no doubt people do it but I wouldn't. I also choose to live in a nice area and not a st hole like Leeds 
I've no doubt people do it but I wouldn't. I also choose to live in a nice area and not a s
t hole like Leeds Stormfly1985 said:
Most insurers run identity checks when you take out a policy these days so it would be obvious you don't live at the address you provide. Plus, if you are caught, expect a world of pain from the police and the insurance company.
I've no doubt people do it but I wouldn't. I also choose to live in a nice area and not a st hole like Leeds
Bits of Leeds (by postcode) are lovely.I've no doubt people do it but I wouldn't. I also choose to live in a nice area and not a s
t hole like Leeds The middle bits, less so.
Suppose you're involved in a fatal accident. There will be police interviews galore, detailed statements taken, lots of questioning, coroners court, magistrates court, maybe crown court proceedings.
Any fool can lie on an internet quote engine, but maintaining the lie when the worst happens will be a bit trickier.
Any fool can lie on an internet quote engine, but maintaining the lie when the worst happens will be a bit trickier.
TwigtheWonderkid said:
Suppose you're involved in a fatal accident. There will be police interviews galore, detailed statements taken, lots of questioning, coroners court, magistrates court, maybe crown court proceedings.
Any fool can lie on an internet quote engine, but maintaining the lie when the worst happens will be a bit trickier.
Exactly.Any fool can lie on an internet quote engine, but maintaining the lie when the worst happens will be a bit trickier.
The issuing of the policy at the lower cost is not in question.
It’s the claim that may bite.
TwigtheWonderkid said:
Suppose you're involved in a fatal accident. There will be police interviews galore, detailed statements taken, lots of questioning, coroners court, magistrates court, maybe crown court proceedings.
Any fool can lie on an internet quote engine, but maintaining the lie when the worst happens will be a bit trickier.
I agree.Any fool can lie on an internet quote engine, but maintaining the lie when the worst happens will be a bit trickier.
I know people who have done this. Insured and registered the car at their Nans / Uncles house etc.
I can see the appeal but wouldn't run the risk myself.
It's more than just the risk that they don't pay out on a claim, though, because if the insurer wouldn't have written the policy at all (i.e., not just at a higher premium), the policy could be declared void from its inception, which would mean that the driver/keeper could be done for no insurance/permitting as well.
TwigtheWonderkid said:
Suppose you're involved in a fatal accident. There will be police interviews galore, detailed statements taken, lots of questioning, coroners court, magistrates court, maybe crown court proceedings.
Any fool can lie on an internet quote engine, but maintaining the lie when the worst happens will be a bit trickier.
Depends who the fatality is whether you care though!Any fool can lie on an internet quote engine, but maintaining the lie when the worst happens will be a bit trickier.
When I bought my first car I had it insured via a broker who stated I was a student living in Inverness Scotland, (when I'm born and bred in England) to reduce the premium from £3000 to £900 excluding his fee (iirc was about £400) and told me, DO NOT CRASH OR F*CK ABOUT.
Drove like a granny going to Church on Sundays that year.
Would never do it now, but at the time, was the only way i would get on the road.
ETA: Insurance never found out and I gained a year's NCB.
Drove like a granny going to Church on Sundays that year.
Would never do it now, but at the time, was the only way i would get on the road.
ETA: Insurance never found out and I gained a year's NCB.
TwigtheWonderkid said:
Suppose you're involved in a fatal accident. There will be police interviews galore, detailed statements taken, lots of questioning, coroners court, magistrates court, maybe crown court proceedings.
Any fool can lie on an internet quote engine, but maintaining the lie when the worst happens will be a bit trickier.
Interesting - I would like to know how where you live affects the likelihood of you being involved in a fatal accident?Any fool can lie on an internet quote engine, but maintaining the lie when the worst happens will be a bit trickier.
Your car is nicked. Maybe the door came in for the keys, maybe your missus' handbag was nicked, maybe it was carjacked.
You give the insurer the police crime report.
Have you also lied to the police about your home address...?
If the insurer start to smell a rat and investigate, are you more verifiable at the real address, or the one you've lied about?
Basically, it comes down to whether you think there's a likelihood of claiming. If your premium is ramped because of the address, then the insurer think that's because you will claim due to that address...
If there's a reasonably strong risk of a £30k claim being handed back to you, perhaps with a fraud investigation or even an IN10, but you save a grand a year, that doesn't seem like a great bet to me.
You give the insurer the police crime report.
Have you also lied to the police about your home address...?
If the insurer start to smell a rat and investigate, are you more verifiable at the real address, or the one you've lied about?
Basically, it comes down to whether you think there's a likelihood of claiming. If your premium is ramped because of the address, then the insurer think that's because you will claim due to that address...
If there's a reasonably strong risk of a £30k claim being handed back to you, perhaps with a fraud investigation or even an IN10, but you save a grand a year, that doesn't seem like a great bet to me.
The Moose said:
TwigtheWonderkid said:
Suppose you're involved in a fatal accident. There will be police interviews galore, detailed statements taken, lots of questioning, coroners court, magistrates court, maybe crown court proceedings.
Any fool can lie on an internet quote engine, but maintaining the lie when the worst happens will be a bit trickier.
Interesting - I would like to know how where you live affects the likelihood of you being involved in a fatal accident?Any fool can lie on an internet quote engine, but maintaining the lie when the worst happens will be a bit trickier.
Vaud said:
They ask you to prove that you do live there. In most cases you will get away with it.
If it is a Golf R stolen from Chapeltown on a Friday night and insured in Ilkley, expect a lot of questions and the burden of proof will be on the person taking out the policy.
Chapeltown is what, less than 10 minutes away from the city centre? Off peak, at least.If it is a Golf R stolen from Chapeltown on a Friday night and insured in Ilkley, expect a lot of questions and the burden of proof will be on the person taking out the policy.
Ilkley isn't even in Leeds, good 15+ miles away.
You could be visiting some acquaintances, I suppose?
WolfAir said:
When I bought my first car I had it insured via a broker who stated I was a student living in Inverness Scotland, (when I'm born and bred in England) to reduce the premium from £3000 to £900 excluding his fee (iirc was about £400) and told me, DO NOT CRASH OR F*CK ABOUT.
Drove like a granny going to Church on Sundays that year.
Would never do it now, but at the time, was the only way i would get on the road.
This is the thing with young male drivers - and I was one once. They can't understand why they have to have insurance at all, they think incidents are completely within their control so if they drive carefully it'll be fine.Drove like a granny going to Church on Sundays that year.
Would never do it now, but at the time, was the only way i would get on the road.
When I was young it was common to add 10 years to your age to get a cheaper premium but I think these days licence checking is more likely - although in the few claims I've been involved in I can't recall it ever being asked for.
I actually had a situation similar to this, was using a relatives address for correspondence has I had no permanent address (was between 2 flats and a caravan... don't ask... I'm not a gypo... honest). Explained to my insurer at the time, was told it is entirely fine to keep a correspondence address, however if the car was kept elsewhere most of the time they wanted to know what address it would be at. So I gave them the address of my work car park where the car most often was. They said that was perfectly acceptable, insurance policy address was listed at my correspondence address, 'overnight' address on the policy was listed as my work address. It added £40 to my ~£450 policy.
DVLA, bank and pretty much everyone else I checked was perfectly fine for allowing a correspondence address.
EDIT: Of course, in my situation I had honest intent a valid reason for a skewed address. Which, I would hope, in a court of law would be looked upon more favourably than deliberately misleading your insurer for a quote, although I did benefit from a substantially cheaper policy than the area I was staying in would merit.
DVLA, bank and pretty much everyone else I checked was perfectly fine for allowing a correspondence address.
EDIT: Of course, in my situation I had honest intent a valid reason for a skewed address. Which, I would hope, in a court of law would be looked upon more favourably than deliberately misleading your insurer for a quote, although I did benefit from a substantially cheaper policy than the area I was staying in would merit.
Edited by caelite on Sunday 3rd December 16:41
Forums | Speed, Plod & the Law | Top of Page | What's New | My Stuff