Insuring a bike at an different adress illegal?

I live in south london so insurance is really high compared to mate in the sticks. if i was to insure it at a freinds house is this illegal? would i have to get my drivers licence registered to that address?
cheers

Technically fraud IMHO.

Originally Posted by edcase

I live in south london so insurance is really high compared to mate in the sticks. if i was to insure it at a freinds house is this illegal?

Nope, provided that this is the principal place where the bike is kept overnight. Common practice to use a mate's garage.

However, if you do that and then leave it at your own address more often than at the declared address then this is certainly fraud.

If stolen from your address overnight, then the insurance company may smell something like Bikageboy has just run over (and fried on his downpipes) and refuse to pay out. As well a sue you for fraud.

Originally Posted by edcase

would i have to get my drivers licence registered to that address?

Nope, and it would be an offence for you to do so. Your drivers licence must show your current residential address. This is one reason why it is accepted for identification purposes for new bank accounts, etc.




Are you related to Andrew Charnley*?

[*No offence Andrew - this is a joke

Originally Posted by Cronos

Technically fraud IMHO.

Technically and legally, my friend.

ok so if i insure my bike TPFT, garaged at my friends address. pay the money for the policy.

dont actually keep it in my friends garage, and leave it outside my real address overnight.
1 - if it is stolen from outside my real house . . . . . i cannot claim (as it was not garaged)

2- if i take it to the shopping mall and it is stolen there - i can claim.


is this correct ?

More of less.
Obviously there are differences in policies. Not all would require that it is always stored where you say it will be, though.

Originally Posted by bikageboy

ok so if i insure my bike TPFT, garaged at my friends address. pay the money for the policy.

dont actually keep it in my friends garage, and leave it outside my real address overnight.
1 - if it is stolen from outside my real house . . . . . i cannot claim (as it was not garaged)

Your insurance policy is, in effect, a contract between you and the insurer and the premuim charged is based upon the information supplied and the risk of them insuring you as per their assessment. You supply information that is deliberately wrong then this is fraud. Open and shut case.

You can bet your life that a loss assessor will look long and hard before recommending a payout in the circumstances that you describe.

Take an extreme case - you have a mate in the Outer Hebrides and for a percentage of the saving on your premium he agrees to let you use his address. He also provides the same service for thousands of others...............

Originally Posted by bikageboy

2- if i take it to the shopping mall and it is stolen there - i can claim.


is this correct ?

Yes, unless you regularly leave there overnight, and unless there's some restriction in the policy, yes. Mine has a restriction that the bike isn't unsured for theft within 500m of my garage. It is only insured for theft if stolen from within my locked garage or outside of a 500m radius of it.

just checking.

but on the other hand, if you tell them that you want the bike to be insured in your mates garage - and NOT outside your house, they should in theory give you a discount price ?


yeah rule of the thumb is . . . if you dont tell them something - they will charge you more when they find out.

dont lie - it will cost you

Originally Posted by bikageboy

but on the other hand, if you tell them that you want the bike to be insured in your mates garage - and NOT outside your house, they should in theory give you a discount price ?

Yep - so long as you're honest about it and I have a colleague who's done exactly that.

Makes it a bit of pain at times, but he doesn't have a garage and lives in a less "attractive" area of the city. His VFR400, minging as it is, wouldn't last 5 mins outside his house. Chav and Pikey would have it away in a van quicker than you can say "Hondas are fantastic bikes".

cheers guys, dont think i'll go that route then