dvla/insurance/addresses ... please shed some light!

T

-Tom-

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Afternoon. I'm not one for asking dreary questions to the forum but this time I'm a bit stumped.

This is "hypothetically speaking" :thumbsup:

If you had an address that changed regularly for educational/then work purposes and thus on a weekday would say you were in a temporary residence - it makes sense to keep your permanent address (parents) for your bank accounts (financial because otherwise you will have a crap credit rating/no credit company would touch you moving every year for 6-7 years) and v5s registered up there too, where you spend your "weekends".

I don't claim to know any law whatsoever - but arguably driving license etc is most likely to be fine registered at the permanent address too as that is the best contactable address and you do spend time there.

Anyhow - if this person has insured cars at the address where the car spends most its time (temporary address) because that is the correct thing to do, and after years of no problems, an insurance company suddenly says that the driving license has to match up with the address where the car spends the majority of its time, irregardless of any other factors. This means having to change the driving licence address - meaning no other paperwork at all will match up - making identity checks a total pig.

I know and appreciate this is long winded, but can anybody shed their two pence on this?? This insurance company would not let said person cancel the policy (it is just over 14 days) without losing nearly the whole yearly premium.

Many thanks
Tom


edit - so if this was me I would really be objecting to changing the driving license for now due to said reasons!!
 
I don't know the answer to your question.

But are they on the electoral roll at parents address or week day address surely the license should be at the registered electoral address.

Are they at Uni ? What does the students union advise ?
 
Thanks GrumpyOwl.

Finished uni but had to do a post-grad year elsewhere and then moved on again since that, and remains on the electoral roll up at the parents. I appreciate the true legalities of doing this might not be spot on, but then there are so many people doing the same thing. A lot of people moving around in the forces whom I know do the same thing but it is just this one insurance company being a pain :-s
 
Lillywhite said:
Havn't heard of this before. However, I can appreciate an insurance companies concern that they may have based their premium on a lower risk postcode area, whilst the car is spending the majority of it's time in a higher risk postcode area. I suppose the issue is one of 'clarity' which home owning motorists don't have a problem compared with students.
Click to expand...

Yes I can see that side of things ... But the post code given for where it is mainly kept is the true one ... The rental ... It would have been cheaper AND wrong to give them the postcode of the parents. The insurance just want the driving licence to say the address of the rental as it spends the week nights there. I find it odd :-s What a pain in backside.

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DVLA require you notify them of any change to the personal details on your driving license. Failure to do so could result in a £1000 fine. A pain, I agree , but that's the law.

Apparently can be done easily online:-

https://www.gov.uk/change-address-driving-licence
 
Cheers Lillywhite. Yes it just won't work that's the prob - there is no paper trail what so ever at this rental address (even bills are tagged onto the landlords address) so it would be near impossible to then transfer at a later date from here due to lack of address proof. Thus parent's address is my permanent for the time being. Grr

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I understand the problem, but that's the law and there could be a issue if stopped by the police in the future. DVLA do not charge a fee for changing either a name and/or address on a driving licence.

I really must get one of those new fangled photo card licences which apparently need renewing every 10 years. :oops: I wonder how many people are driving about with an out of date photo licence after they were first implemented in 1998?
 
Cheers Lillywhite. What a total PITA - no rental cars for me for x number of years as I have will have no documents to match my driving licence. Greeeeat :mad:

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But this 'proof of identity' is appearing in all walks of life. It's got worse over the last 10-15 years. Very difficult to change banks without a driving licence photo card or passport to proove who you are.
 
I know. That's why it helps to keep it all in one place whilst you don't have a fixed address! Whether it is treading on thin ice or not.... A massive chunk of people do this as a result. Wish I hadn't gone for this random insurance company now. Never mind

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Cheers for the input. Address changed on the license, which needs renewing in March anyway when perhaps the permanent address might be put back on to keep everything in check :driving:
 
Your only going to have problems if you can't be contacted through the address on your license or v5, plenty of company cars remain registered to the company or leasing firm which technically isn't correct. I would however advise the insurance company where the car is kept over night, multiple addresses if need be. I've had contracts that have kept me away from home for extended periods and would never consider changing my address for them.
 
It depends. A short term address such as short term let wouldn't mean you're obligated to update DVLA. Particularly if your drivers licence is registered at a parents address/family home. And particularly if you know you'll only be living at an address for a short time.

I had my zed insured in Forfar while I lived in Edinburgh. Forfar was the risk address, and the car lived there. My drivers licence was also Forfar.

The main purpose of the address details being correct on your licence is so that DVLA can contact you. Lots of people have 2 homes, or even more complicated living arrangements. For them, they have to have 1 main address for the DVLA, which might not actually be where they spend most of their time.

Regarding the premium, I would go to the ombudsman if they steal it from you. If they're not providing you with insurance they cannot justify keeping your money.




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Cheers guys. It is an insurance company which I found on a comparison site, with a good premium. Rushed into then read the reviews later of people slating them as they try to make it difficult to get paper work etc though and they will find you 50 quid a time for missing the deadlines. Totally agree adamski .. Although the insurance side I did to the book as the post code they have is the rental which is a more expensive area to insure (I guess due to all the jumping deer on the roads!)

Anyhow I figured my driving licence needs renewing in march so I'll send then a PIC of the new address which I've just updated, then come march put the address back at my patent's address. Can't wait for the day where I don't rent!!

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Specialist insurers such as Adrian Flux are better prepared to deal with the unusual. However, Direct Line accommodated me for a while, car at one address, me at another
 
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