tman:hi
thanks for the reply.
i forgot to say that we stay at different addresses though and my current insurer says they wont insure me because of this as the registered keeper and the main driver would have different addys.
Okay,
Two things.
1) Some insurance companies will only want to insure straight forward risks and avoid those where it could be complicated. When you are not the registered owner of the vehicle, then you have no financial interest in the vehicle which goes against the principle of insurance to be valid. (ie. it's not yours why should you be getting paid out on a claim). However, you only need to have financial interest in the vehicle in the event of a loss not at the inception of the policy so some insurers are more lenient as the change of ownership may take days/weeks etc (ignore BIBA who state that there must be financial interest at the inception AND the loss as this is incorrect due to Marine Insurance Act 1906). This is not commonly known and therefore some insurers rely on this fact whilst asking who the keeper and owner is at the time of inception - completely avoiding the risk from the outset if it is anything other than 'Policyholder' (ie. you).
2) If the vehicle is likely to be staying at different postcodes throughout the year (ie. you have a property you stay at here for a week, here for another etc.) then you should give both postcodes to the insurer. The highest risk area will be used as the rateable factor.
Insurers are likely to say 'go away' in the event of 1 and 2 (Above) coming together.
Coyote