Cohabiting and insurance?

[ChrisG89]

Hey,

Didn't know where to put this, but the lounge is busy so picked here. I'm buying my first house and my girlfriend is moving in with me. The mortgage is in my name only if that makes an difference. But I'm also looking for a new car, either an E46 M3, Z4M or another Boxster, so was getting insurance quotes. Putting cohabiting saved about £200, so is that what we are doing? Or do we have to fill in some paperwork giving her rights to the house? No plans to marry for a few years, if I had a spare £10k and there wasn't another car I'd want, maybe, but as I don't and there are, we aren't getting married!

Also, putting my the M3 in the garage overnight was £700 MORE expensive than keeping it on the street, what's all that about? Can't believe how much more insurance is at my new house, different postcode to my mums, but still a nice area, but shares first half of postcode with the town center so it's almost an extra £900!

Thanks in advance

[Lurking Lawyer]

ChrisG89 said:

Putting cohabiting saved about £200, so is that what we are doing?

Are you asking us or telling us....?

I'm confused. WTF would you think that putting your girlfriend as a named driver on your insurance would need you to sign half the house over to her?

[ikarl]

oohabiting is fine

hth

[Mr Pies]

If its in your garage the thieves know which house to get into to get the keys to steal it. In the street it could be any house.

My insurance came down £85 quid for leaving it in the road overnight.

[offshorematt2]

Mr Pies said:

If its in your garage the thieves know which house to get into to get the keys to steal it. In the street it could be any house.

My insurance came down £85 quid for leaving it in the road

When i was renewing the 360, I was eighty quid less to park it in the drive rather than the garage. Apparently, the risk profile said more ferraris got damaged/stolen in the garage than the drive hence the quote. Needless to say I paid eighty quid more and kept it garaged. What a crock of st..

[mattdaniels]

offshorematt2 said:

Apparently, the risk profile said more ferraris got damaged/stolen in the garage than the drive hence the quote.

TBH, being both the owner of a Ferrari and a single garage, I can well believe it.

[carreauchompeur]

Odd, I can't work out insurance quoting myself. Currently looking at quotes for an E36 M3, therefore my insurance is going to be more like £750 than £350, which means it's worth trying to save as much.

What does an underground car park mean? I would be tempted to regard it as "garaged" however that rather implies a single building dedicated to oneself...

[ChrisG89]

Lurking Lawyer said:

Are you asking us or telling us....?

I'm confused. WTF would you think that putting your girlfriend as a named driver on your insurance would need you to sign half the house over to her?

I'm asking if we are cohabiting? Just making sure there's no forms indeed to fill in to get it registered. She's not getting insured as a named driver. But saying that I'm cohabiting instead of single brings the premium down. So I will put that instead of single, unless I need to do more stuff to be registered as cohabiting.

Edited by ChrisG89 on Wednesday 28th December 13:46

[Twincharged]

You are co-habiting, so put it on the insurance.

No official registration of your co-habiting status is required.

[ikarl]

Twincharged said:

You are co-habiting, so put it on the insurance.

No official registration of your co-habiting status is required.

well, you could try and convince her that you need the ol fella 'blown' once a week for the pair of you to be officially classed as 'co-habiting'......depending on how gullible she is though.

Good luck

[hidetheelephants]

ikarl said:

you need the ol fella 'blown' once a week for the pair of you to be officially classed as 'co-habiting'

This needs to become law; I think we should lobby our MPs immediately and start an e-petition or something.

Edited by hidetheelephants on Thursday 29th December 01:23

[E30M3SE]

Mr Pies said:

If its in your garage the thieves know which house to get into to get the keys to steal it. In the street it could be any house.

This can only be true if you leave the garage door open for them so see what is in the garage........