Can you insure a car at a different address?
Asked by: Prof. Brandt Deckow I | Last update: September 22, 2022Score: 4.2/5 (51 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.
Do you need to have the same address to be on the same car insurance?
Generally speaking, your car insurance address must be the same as your vehicle registration address. While specific requirements can vary by state, it's always a good idea to use the same address for your car insurance policy, vehicle registration and driver's license.
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.
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.
Can you insure someone who doesn't live with you?
Providers usually don't allow you to add a non-related driver to your policy who doesn't live with you. Typically, car insurance covers the vehicle's owner and family members in the same household.
Cheap Car Insurance! Can you use a different address to get cheaper rates on your car insurance?
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 an additional driver have to live at the same address?
Does a named driver have to live at the same address as the main driver? No, someone does not have to live at the same address as you to be added as a named driver to your policy.
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.
Can my parents 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 you add someone to your auto insurance that is not your family?
Yes, you can add a non-family member to your car insurance policy, as long as they meet the requirements of your particular auto insurance provider.
Does car insurance follow the car or the driver?
Unless you're a 'named driver' on their car insurance, you almost certainly won't be insured. And both the driver and car owner can run into trouble if caught without the necessary cover.
Can you insure a car you don't own?
You can insure a vehicle you don't own, but you must tell the insurer that you're neither the registered keeper nor the owner. The registered keeper is the person named on the registration certificate; the owner is the person who bought it.
Can you have 2 main drivers on car insurance?
You and your partner can both take out separate policies for the same car. Car insurance policies are for both the vehicle and the driver, so it's perfectly fine, legal and common for two people to be insured on the same vehicle under separate policies. There are a few reasons why you might consider doing this.
Does the policy holder have to be the main driver?
Does the policyholder have to be the main driver? Generally, insurance policies are set up with the policyholder also being the main driver of the car. It's worth noting that it's illegal for anyone other than the main driver to be placed as the policy holder, this is 'fronting'.
What happens if I don't change my address on my car insurance UK?
Forgetting to change the address could lead to motorists being slapped with a £1,000 fine if they are caught by police officers. Changing your address on a driving licence is not the only thing you have to update with the DVLA when moving home.
Is it illegal to have the wrong address on your driving licence UK?
As UK law states, it is illegal for a driver to be incorrectly registered at an address, as up-to-date residential information is required should the licence-holder be involved in an accident. Drivers who change their address on their licence must also do the same on their vehicle log book and vehicle tax Direct Debit.
Can boyfriend and girlfriend have same car insurance?
Yes, you can add your girlfriend or boyfriend to your car insurance. Generally, if you and your significant other live at the same address, your car insurance company will consider them a member of your household and request that you add your boyfriend or girlfriend to your car insurance policy.
Can my wife and I have separate car insurance?
Yes, you can have two separate policies. This can have its benefits in some cases. However, you will still need to be listed on each other's policies as household members/spouses but you can be excluded. Being excluded means you would not be covered under the policy at all.
Is it illegal to have 2 car insurance policies?
Is it illegal to have two policies on one car? No, doubling up on your car insurance isn't illegal. But if you make a claim from two insurance providers, you can't claim for the full amount from each of them. Doing so is considered fraud, which is illegal and can land you with a criminal record.
Do you have to be the registered keeper to insure a vehicle?
Does a registered keeper have to be a policy holder? Technically, the registered keeper of a car doesn't need to be the insurance policy holder for that car. But some insurers won't let you be the policy holder unless you're the registered keeper.
Can I drive a car not registered in my name?
You can only legally do so if you have DOC cover in place or you're already insured on the other person's car. If you're not, you won't be legally permitted to drive the car – even in an emergency.
Can I be the registered keeper of a car but not own it?
The registered keeper should be the person who is actually using / keeping the vehicle and this is not necessarily the owner of the vehicle or the person who is paying for it.
Can my boyfriend take my car if it's in his name?
Under the law, all of the vehicles that are in your name will be considered yours. This is not to say that he will not have any claims here, just that as a threshold matter they are in your name therefore the law considers them to belong to you.
Can someone else insure my car if the title is under my name?
While the person who owns the car is usually the one who insures it, most states will allow someone other than the owner to pay for a car policy. However, many driver's insurance providers will only insure a car if the policyholder and car owner are the same.
Can someone drive my car if they are not on my insurance progressive?
As long as you gave them permission to drive your car, then they should be covered. Their policy extends to your car and covers them the same way as if they were driving their own car. Damages they cause to others' cars, property, or even injuries are covered.