Working away from home - car insurance

[blacjac]

When staying away from home during the week, do you inform your car insurance company?

[threaded]

When staying away from home during the week, do you inform your car insurance company?

Nearly all motor insurance policies have a 'normally parked' clause.

You're not normally parked at home at night any longer are you, so your car is not insured.

Driving without insurance is a very naughty thing to do.

Suggest you buy the appropriate insurance for your car usage.

HTH

[Olly]

so your car is not insured.

Driving without insurance is a very naughty thing to do.

......ahem..internet forum facts, always accurate

OP you're still fine when it comes to legal 3rd party requirement.

Up to you if you tell them and pay the increased premium perhaps it's worth it for the peace of mind. I don't and I expect nor do most others.

[Sysman]

Nearly all motor insurance policies have a 'normally parked' clause.

You're not normally parked at home at night any longer are you, so your car is not insured.

Driving without insurance is a very naughty thing to do.

Suggest you buy the appropriate insurance for your car usage.

HTH

This is true. I got caught out on a contract in an area with lots of car thefts. I had to change insurers, but I also took the precaution of getting a banger whose loss I could afford.

[Olly]

Don't you mean "partly" true
OR
True in respect that you may not be covered to the full extent possible in your policy

[threaded]

Don't you mean "partly" true
OR
True in respect that you may not be covered to the full extent possible in your policy

You sound like the kind of guy that will only believe playing silly beggars with the insurance will come round and bite you real hard by trying it. So I would recommend doing just that.

Report back with your findings, there's a good chap.

[Sysman]

Don't you mean "partly" true
OR
True in respect that you may not be covered to the full extent possible in your policy

I actually got a proper bollocking from the girl at the insurance brokers for not telling them before I started that contract. The insurance company simply cancelled my policy and an alternative had to be found pronto.

One of the advantages of dealing with a decent broker is that this was all sorted out on my behalf.

[Olly]

I spoke to the insurer about this already....
Have also been told the same thing from and a guy who works an expert witness in traffic / insurance cases.

...it's the same with an MoT. Yes your car is illegal to drive if you don't have one but if it's roadworthy you're still covered up the the legal requirement.

Regarding a full comprehensive policy not acurately reflecting the address the vehicle spends most of it's time. Yes of course the insurer can investigate and not pay out if it gets nicked. Would they check up effectively? Unlikely....am I prepared to take the risk? - absoloutely. Do many others take the same risk knowingly or not. Yes.