I am currently insured on my family's home address which is the same address as printed on my drivers licence. I am moving out to my own place but as a young driver my already expensive premium is going to DOUBLE to over £2000 if I change addresses with my insurer. I understand that I legally have to inform the DVLA of my change of address.

My question is: If I change the address on my drivers licence with the DVLA but keep myself insured on my old address (my family is still living there) is this legal? Or can I somehow have 2 registered addresses?

Please help!

Not sure about legal or not but... If you tell your insurers that you are keeping the car at address 1 when, in fact, you keep the car at address 2 and if they find out then your insurance will be void.

You need to tell your insurers where you are going to keep the car on a permanent basis so that your insurance is water tight.

Last thing you want is to have a smash, or the car taken from outside address 2, and not be insured.

Do the right thing oblake88

JJ

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You gotta tie yourself to the mast my friend, and the storm will end.

oblake88:

I am currently insured on my family's home address which is the same address as printed on my drivers licence. I am moving out to my own place but as a young driver my already expensive premium is going to DOUBLE to over £2000 if I change addresses with my insurer. I understand that I legally have to inform the DVLA of my change of address.

My question is: If I change the address on my drivers licence with the DVLA but keep myself insured on my old address (my family is still living there) is this legal? Or can I somehow have 2 registered addresses?

Please help!

Adding to JJ's good advice, it might be worth noting that the insurance companies can easily check your registered address by a variety of means. You should inform your insurer that you are moving and you will have to pay the price. Even if you may keep the vehicle at the other address on occasions, you will still be charged the prevailing rate for the highest risk postcode.

In answer to your question:

My question is: If I change the address on my drivers licence with the DVLA but keep myself insured on my old address (my family is still living there) is this legal? Or can I somehow have 2 registered addresses?

Absolutely not. You will have failed to keep the insurer infomed of any changes and you will not be paying the correct premium for the risk you should have presented. The insurance policy is invalid and you will also receive an IN10 conviction carrying 6 points (typically) and a fine.

Believe me, the repercussions of this scenario are quite drastic. The insurers take a dim view on those deliberately trying to fiddle with insurance rates. You can see why the premium is increasing, and you should therefore pay the rate applied.

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Kind Regards,

Vicissitude

i take it its not possible to actualy keep the car at your mothers address then.

As vic and jj have said its important you keep your details upto date as what you would be planning is blantant insurance fraud and you would not olnly get an in10 and posssible fine,if you ever claim ,attempting to make a fraudlent one which you would be is a criminal matter aswell as the above you could go to prison or get a bigger fine.

Its not like this would be a oversight,you know your insurance is gonna me more and so your blantantly trying or thinking about avoiding the high premium .

You cant have 2 registered addresses on a insurance quote as the insurers quote on the one risk address and wont usually cover you if you live at or spend time at another in a completly different risk area,some if they do will simply notepad the alternative address but you will be hard pressed to find one and get a good rate from them.

you are the sort of people who are responsible for us younger drivers being priced out of the market because people like you keep prices high.

i dont see any of this advice the members have given will enter your thoughts and stay there,you will probably go against it and avoid paying what you need to.

MY ADVICE IS PAY YOUR PREMIUM OTHERWISE DONT DRIVE AT ALL!!

OK. First of all, I find it hard to take advice from you because you seem unable to punctuate correctly.

Secondly,

"you are the sort of people who are responsible for us younger drivers being priced out of the market because people like you keep prices high."

Actually, I have driven since the age of 17, driven more than 70,000 miles in 2 years and now I am 19. I have never had an accident and I take pride in my safe driving.

Now I own a 2003 318i BMW and the cheapest fully comp. insurance I can find for my London address is £4000. I was even quoted up to £10,000......... £10,000!!!!!!! for a years insurance!

I have taken my pass-plus (fat lot of good that was) and never had an accident, so what else am I supposed to do to lower my insurance? (Apart from be alive for 2 more years)

Unfortunately most young males my age do drive like idiots and crash the most, and there is no way do differentiate me from them. It turns out I have to change my address and insurance to get my parking permit anyway. As a roaming manager, driving is essential to my job and I need a reliable car. So it looks like I'm gonna have to just pour 2000 hard earned pounds down the drain because other people my age drive badly?

But thanks for the advice jjnaughalty and Vicissitude

oldake88 - "OK. First of all, I find it hard to take advice from you because you seem unable to punctuate correctly."

very offensive and very, funny! Nou ef u , had said

"OK. First of all, I find it hard to take advice from you because you supprot Man U,."

i wood hav had to agree with u,.

I note that you tip your hat to a very modest and the way your going realistyc ambition "(Apart from be alive for 2 more years)"... Er... good luck?!

oblake88, I sympathise with you because my premiums are ridiculously high because of age.

Insurers seem to find any excuse to avoid paying up, so I wouldn't be surprised if discrepancies in addresses would give them a reason not to compensate you should (touch wood) the need for claims arise.

The basic principle of insurance is that those who do not claim pay the claims of those who do. If you do not like the system you can set up a bond that will indemnify only yourself, this is called setting up an insurance company. It is much more expensive than paying premiums to the ones that already exist. Insurance companies "spread risk" across the various groups of drivers, if you fall into a high risk group you pay high premiums. What's wrong with that?

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Circumstances alters cases!!

Ref:

Insurers seem to find any excuse to avoid paying up, so I wouldn't be surprised if discrepancies in addresses would give them a reason not to compensate you should (touch wood) the need for claims arise.

LOL. Ridiculous statement. Insurance is rated by postcode for a reason so the 'any excuse' part is a pretty silly comment.

As per BB, you could also give £500,000 to the BoE Secretary as your own reserve and you wouldn't need to take out the insurance to drive legally.

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Kind Regards,

Vicissitude