Different address for cheaper insurance

[Daisy556]

Hi guys, I want to use my boyfriend’s address for my insurance as it’s over £100 cheaper a month from £189 to £43. I’m there most of the time apart from when I’m working then I stay at my house.

would I get in trouble for doing so?

It is never worth lying on insurance. They can refuse to pay out.

how can it be so different?

Are you on the electoral role at his house?
Are you named on any utility bills at his house?
Is your driving licence registered to his address?
Is your car registered to his address?
Is his address registered for your personal bank accounts?
Is his address registered with your employer?

The insurance firm can (and sometimes will) check that kind of evidence/proof so you can easily be caught out lying.

If you're going to use his address, then you need to actually use it consistently, not just pick and choose when it suits you.

If you have a claim or you’re in an accident you’ll be snookered, unless you keep your story straight throughout the process. If there’s a hint of dodginess they’ll jump on it. A colleague had to look at a case once where a police officer tried this with his parents’ address, car was stolen from outside his house and of course it all came out. Insurers treated it as fraud and the policy was voided. You have to declare that on getting quotes for future policies and will cost you even more, if you can even get cover. Not worth it.

If you make a fraudulent statement like this they can avoid a claim.

Not only all this - but do you pay council tax there? He may well ‘get into trouble’ if he claims a single person discount.

Have you really never learned anything about legal and civic responsibilities through your whole school career or life as an adult?

Yes I’m named on a couple utility bills at his house but that’s about it really

I wouldn't risk it. Insurance companies can refuse to payout if your state anything incorrect on your application. You can let them know you spend most of the time there, to see if they'll lessen the quote, but can't say you live there.

No I haven’t, if I’d learnt anything then I wouldn’t be asking on here would I??

& he doesn’t claim single person council tax.

Okay thankyou for ur advice, I appreciate it

I live in a rough area, he lives in a small village

But you understand that they set the rate according to the degree of risk?

So if you gave a false address you would be stating that you live in a lower risk area?

Not only would that be morally wrong - it would be incredibly easy to disprove.

No I totally understand, my logic was I’m with my bf 4 days out of the week and at my own home for 3 days…

Perhaps your best bet would be to contact some insurers directly, discuss your living situation and ask their advice.

Safer than having your car or laptop or diamond earrings stolen and then finding your insurance cancelled.

insurance companies always look for a reason not to pay out.
You'd be presenting them with a gift wrapped one.