Can I be on someone else's car insurance with different address?
Asked by: Valentina Robel | Last update: January 22, 2023Score: 5/5 (32 votes)
While it may be tempting to use someone else's address for car insurance to get better rates, you should not do this. If your car insurance address is different to your home address, that's fraud. Letting someone use your address for car insurance also falls into the fraud category.
Can you share car insurance with different addresses?
You cannot add just any friend to your policy. If you have two different cars parked at two different addresses, your insurance company will probably not insure them. You can buy a policy with your roommates, but this follows the rule that you must live at the same address.
Can someone who doesn't live with me be on my car insurance?
No, you cannot add someone who doesn't live with you to your car insurance in most cases. College-aged students who aren't living at home but still use their parents' home as their permanent address are the biggest exception to this rule.
Can you be a named driver and live at a different address?
If someone asks you whether they can be added, you might wonder whether or not they need to live at your address. The answer here is no, it's perfectly possible to add a named driver who lives at a different address to you.
Can I insure my daughters car if she doesn't live with me?
Unfortunately, because the car and your child are not located at your house anymore, they cannot stay on your car insurance policy.
Should you add someone else’s car to your car insurance policy?
Can I insure my car at my parents address?
Unless your primary address is still your parents', using your parents' address for auto insurance after moving out is invalid and illegal.
What address do I use for car insurance?
The address you give your insurance company is the address where your car is supposed to be kept the majority of the time (not sure what entails, five days out of seven or the like?).
Does your car insurance address have to match your registration UK?
In the UK, the law states that it is illegal for a driver to be incorrectly registered at an address. This is because current residential information is required should the licence-holder be involved in an accident.
Does Wrong address invalidate car insurance?
If the wrong address was purposely provided on the policy application in an attempt to reduce the premium, this could be considered material misrepresentation. When it happens, it is grounds for policy cancellation or denial of coverage in the event of a loss.
Is your insurance void if you don't change address?
Moving house
Don't add to it by failing to notify your insurance company of your change of address, leaving yourself with an invalid policy. Insurers take your postcode into account when setting your car insurance premium, as certain areas are deemed riskier than others.
Is it illegal to have the wrong address on your driving licence?
Having the wrong details on your licence is an offence.
What happens to car insurance if you change address?
If you change your address, make sure you tell your insurer as soon as possible. Your premium might go up or down when you move house, because your address is one of the big things that can affect the price of your car insurance.
Do I have to use my address for car insurance?
“Failing to notify your insurer of changes to circumstances, including address, could actually result in you being refused when claiming on your insurance. This is due to car insurance premiums fluctuating depending on area,” Matt Oliver, a spokesperson for a leading car insurance comparison site said.
Can my dad insure my car?
You cannot be on your parents' car insurance if the car is in your name and you are listed as the sole owner. Your parents can't insure your car unless they are listed as owners. So if you are thinking about buying your own car, it is a good idea to ask for quotes from several insurance companies first.
Can I add someone to my car insurance that doesn't live with me progressive?
Should I add someone to my car insurance that doesn't live with me? Yes, if the person drives your car regularly, then you should add them to your insurance policy.
Can I lie about my address for car insurance?
Technically, lying about your address on your Auto Insurance form isn't a crime. However, there are serious consequences if you're caught lying about your address. Insurance companies call lying about your zip code “material misrepresentation of the risk,” more commonly referred to as fraud.
Do car insurance companies Ask for proof of address?
“Car insurance carriers may require proof of address if you have recently moved or if they are receiving conflicting address information from public records. This is to make sure they are rating you at the proper garaging location and giving you a rate close to the average of other drivers in your area.
Is my car insurance invalid if I move house?
With so many things happening, updating your address might be the last thing on your mind. But it's imperative you do this as soon as you move house – otherwise it can invalidate your insurance. And should the worst happen, and you have to make a claim, your provider can refuse to pay out.
Do insurance companies check with DVLA?
While providing a copy of your driving licence and other documents may be a minor hassle, insurers have a legitimate reason for carrying out a DVLA licence check. In fact, ensuring all policyholders provide full and accurate information regarding past convictions and penalties can actually save you money.
Does the main driver have to be the registered keeper?
But the main driver doesn't necessarily have to be the owner or the registered keeper. This is pretty common for married couples. If you're married, one of you can own the car and be the registered keeper. But if your spouse drives the car more often than you do, they'll need to be listed as the "main driver".
Does wrong address on v5 invalidate car insurance?
My car insurance is registered at the wrong address. Does that make it invalid? It could do, yes. That's why it's so important to contact your insurance provider if you move house.
What happens if I don't change my address on my driving licence UK?
You can be fined up to £1,000 if you do not tell DVLA when your address changes.
Is it an Offence not to change address on v5?
You must update your vehicle logbook (V5C) if you are the registered keeper and you have changed address.
Why does location matter for car insurance?
Your place of residence has a significant effect on your car insurance premium, because insurance companies examine data that determines which areas residents are most likely to file claims.
Does your car insurance change when you move?
Yes. Whether you are moving out of state or in state, your car insurance policy may see changes because the location of your vehicle is one of the most important factors for rates and coverage options. If you move out of state, different car insurance requirements may also impact your coverages and premiums.