Car at Uni - insurance implications

[homebythesea]

DS is determined to take his car back to Uni this term despite being strictly verboten and I think he needs to inform the insurer and pay any additional premium attached to being oop north to being in a different location. He says others have not so declared because they still "live" at their home address. Anyone got experience with this?

I took my car to university with me. I told them the months I would be at uni (for simplicity, I told them September - May). They calculated my new price by assuming 9 months at uni, 3 months at home. My insurance premium actually went down - can't really predict the risk profiles of places, it seems (parents live in a leafy suburban middle class area, I went to uni and kept the car parked on the street in the middle of a major city).

On the insurance document, my registered address was my parents' address but the address for where the car was kept overnight was different. I never had to make a claim, but I did keep copies of all communication with my insurance company, just in case any discrepancy or questions were to arise had I had to make a claim.

I really fail to see how or why a University can forbid a student to have a car. Don't provide parking in halls or on campus maybe, but for people who have their own accommodation, utterly unenforceable I should imagine. not all students are 18 year old kids, plenty are mature people with a lifestyle that requires a car.

My own two took their cars to uni in their second years. They used them for getting to work, shopping, days out and coming home. I certainly preferred them having cars to walking alone through dodgy areas late at night.

In my case there was very limited parking on and around campus, no blue badge or permit meant a fine and yes they checked. Living in private accommodation was different but cars were not allowed on campus (exception being medical need - that included staff) so student/staff would need to travel on public transport from nearest car park, pay to park then for bus.

It honestly wasn't worth it where I was. Students would forever complain about it being unfair but they were warned about it in advance.

It depends on how strict the uni is really.

They cannot enforce off site car ownership in rented accommodation in Y2 onwards - of course. If a university says no, it is because of no parking at the hall of residence or at the university. That is the norm in a lot of places because no-one has space for hundreds of student cars.

I've just done one of my DCs insurance for him and ends liege came up cheapest and had a specific option to say it's a student living away from 'home' The premium is based on both addresses.

Update: additional premium of about 1% paid. They (Admiral) said that if he were to return the car home for more than a month or so then if we notify them there will be further adjustment (downwards). Anything less than a month they are not that bothered with the car not being habitually at the policy address.

Hope that helps others in a similar situation.