Car insurance question

[kookes]

My daughter has lived at uni for 2.5yrs. Her course is almost finished and a lot of it is remote now. She has recently passed her driving test and we are looking at cars this weekend. A car will mean she can pretty much move back home for 4-5 days a week and stay at her uni accommodation the other 2-3 days/nights. My question is regarding which address she should put on the insurance when it asks where will the car be kept? We want to be honest and not do anything wrong as we know it’s important. But there isn’t an option for her situation. She will be home full time come June. There is around £300 difference in the insurance cost depending on which address she puts down. We aren’t trying to falsify the details as we know that is fraud and we just want to do the right thing. She has moved around a lot over the last 3yrs so has always put our home address on her license and not her uni address. What should she do?

If she is at home more than in the other location and is using home as her banking and voting address I’d say home

you can phone some insurance companies

Home address, as she's there more than half the week, and has the intention of it soon becoming 7/7

She’s just said there will be a period of 2-3 weeks soon where she has to stay at the uni accommodation to complete a part of her course. Will that affect things?

Depends on the insurer. My dd was on my multi car policy as the driver and they said it was fine to have her listed at our address then list a secondary term time address but not all insurers offer this

Phone them and say- if you phone then you are covered

You need to give the postcode of the property where the car is usually kept. It won’t matter if she is somewhere else for a few weeks - insurers base their premium on where the vehicle is most often kept (which is why it’s important to tell the insurer when you move house).