Major Issue (with car insurance)

[Memories]

Hello everyone, I encountered a concerning issue earlier today, I tried to change my car insurance over to my marina address.

 

It is a residential mooring, I am even getting my driving licence changed to that address.... So full residential.

 

I was told that my insurer would not cover me as they do not cover those who live on 'houseboats.'

 

Is it this just my insurer or have any of you permanent residential mooring holders with a car had the same issue?

 

Just for info' it was Policy Expert that said no to me due to living on a boat.

Edited February 4 by Jen-in-Wellies
making the title clearer.

[MtB]

Its an enduring problem when living aboard. Have a search, there are plenty of threads here about it.

 

I think the bottom line is you need to use an old fashioned insurance broker who can bypass all the on-line comparison sites and get offers for you direct from underwriters. 

 

 

 

Here is an example old thread discussing the same thing:

https://www.canalworld.net/forums/index.php?/topic/85540-car-insurance/

 

 

[Mac of Cygnet]

Policy Expert are cheap but very rigid. I have used them.  Adrian Flux specialise in less usual circumstances.  I have used them too.

 

Edited to say that I wouldn't have just stuck with Policy Expert anyway - they put up my car insurance by £130 this year.  I saved twice that by shopping round.

Edited February 3 by Mac of Cygnet

[MtB]

Might be an idea for the OP to edit the thread title to mention car insurance.

 

 

[SLC]

Car insurers have very clear ideas as to which market they want to work in. It's a business decision and they will either price out that business or simply refuse to quote. They will also have a huge amount of data based on past claims. Interestingly, one company may decline to quote but another will even though they are owned by the same parent company!

Not sure they still exist but an independent insurer broker is the best bet and hopefully someone here can make a recommendation.

[blackrose]

Under the Equality Act 2010, insurers cannot discriminate directly or indirectly on the basis of:

- Race

- Disability

- Religion or belief

- Gender 

- Gender reassignment

- Sexual orientation

- Age (age can be used if justified by risk data)

- Pregnancy/maternity

- Marital status / civil partnership

 

However, for some reason they are allowed to discriminate and refuse to insure people on the basis of their type of residential accommodation. 

 

If it was a non-residential/long term mooring I could understand, but in this case the OP has a proper residential mooring.

Edited February 3 by blackrose

[MtB]

2 hours ago, blackrose said:

- Age (age can be used if justified by risk data)

 

Surely all the others can be used too, if also justified by risk data.

 

If not, then why not? (Given that age can be.)

 

 

[matty40s]

I remember Major Issue....he used to be a teacher at my school, and spoilt homework, late in lesson, writing on front of your schoolbook or not covering it in wallpaper at the start of term...amongst other things....

.and it was a Major Issue.

You got caned.

If it happened again, or book wasnt tidied, or covered, you got caned again.

That's a Major Issue....or was at the time.

Memories...do some bloody forum searches before posting your silly YouTube style topics 

 

Please.

Therefore, I am being polite this time.

[MtB]

25 minutes ago, matty40s said:

Memories...do some bloody forum searches before posting your silly YouTube style topics 

 

I too was expecting to read about a major issue, and wondering what it was.

 

But it turned out to be a non-issue. I tried to help all the same. 

 

 

[Memories]

6 hours ago, MtB said:

 

I too was expecting to read about a major issue, and wondering what it was.

 

But it turned out to be a non-issue. I tried to help all the same. 

 

 

Car insurance is a major thing.

 

I wanted up to date responses not stuff posted ages ago as tends to be the case on forums, a 🔝 c is talked about and discarded people have limited interest in continuing a topic for very long so forums are usually out of date unless you are lucky enough to catch a fresh one.

[LadyG]

1 hour ago, Memories said:

Car insurance is a major thing.

 

I wanted up to date responses not stuff posted ages ago as tends to be the case on forums, a 🔝 c is talked about and discarded people have limited interest in continuing a topic for very long so forums are usually out of date unless you are lucky enough to catch a fresh one.

Address is a problem for anyone without a home address, but how do you get a bank card, or boat licence, its all the same problem.

I generally use my brothers address, he was not happy about this when I first asked, but its not been an issue, I limit the use of his address to parties who are not going to spam mail or sell details to data gatherers.

I use my GPs address for NHS, but insist that comms are sent to my Gmail address, so that has not been a problem. The NHS sends reminders by phone text.

If I need a new bank card, it can be sent to a bank, though these are not on every high street nowadays.

Edited February 4 by LadyG

[MtB]

2 hours ago, Memories said:

I wanted up to date responses not stuff posted ages ago

 

Picky or what?!!!! 

 

Its an age old problem and older threads and responses are every bit as valid now as at the time they were posted. 

 

Its still iksome that the thread title is so click-baity. 

 

 

[Grassman]

2 hours ago, Memories said:

Car insurance is a major thing.

 

 

 

It is a major thing, but why not relate the title to the subject you want to talk about? Such as 'Car Insurance' for example. Then you wouldn't be wasting those peoples time who aren't interested in the topic. A little thought and consideration for others before posting?

 

It does my head in, but thankfully the vast majority on here have the common sense to think about the subject title before posting.

 

[Memories]

5 hours ago, LadyG said:

Address is a problem for anyone without a home address, but how do you get a bank card, or boat licence, its all the same problem.

I generally use my brothers address, he was not happy about this when I first asked, but its not been an issue, I limit the use of his address to parties who are not going to spam mail or sell details to data gatherers.

I use my GPs address for NHS, but insist that comms are sent to my Gmail address, so that has not been a problem. The NHS sends reminders by phone text.

If I need a new bank card, it can be sent to a bank, though these are not on every high street nowadays.

Yeah, I unfortunately do not have the luxury of an alternative. Plus the issuance would be void in an accident if your address is found to be different.

5 hours ago, MtB said:

 

Picky or what?!!!! 

 

Its an age old problem and older threads and responses are every bit as valid now as at the time they were posted. 

 

Its still iksome that the thread title is so click-baity. 

 

 

Click -batty

 

Well the more people click the more replies I have the more replies the more data the more data the higher likelyhood I will get the solution to the issue.

 

But it has to be said that on some rare occasions I do tend to get the occasional one that seems to be avers to modern communication methodology. BUT THERE'S ALWAYS ONE EH.

[Lady M]

While this appears to be a major issue for you at the moment, as most boatowners do have a postal address it is not a major issue for many of us.  Therefore, as suggested, using a clearer title would have been considerate.  It may also have got you more useful replies.

[LadyG]

I get the impression OP is demanding answers to her issues, this is not the way it works on here.

OP needs to think a bit deeper, could she be the only person to have found this to be a problem, unlikely.

Could it be that OP did absolutely no research before deciding that living on a boat was going to be cheap and easy, if that were the case the canals would be rammed. 

I can't be bothered reading any more moaning posts. Have a nice day.

 

Edited February 4 by LadyG

[Russ T]

37 minutes ago, LadyG said:

I get the impression OP is demanding answers to her issues, this is not the way it works on here.

OP needs to think a bit deeper, could she be the only person to have found this to be a problem, unlikely.

Could it be that OP did absolutely no research before deciding that living on a boat was going to be cheap and easy, if that were the case the canals would be rammed. 

I can't be bothered reading any more moaning posts. Have a nice day.

 

The canals are rammed, as are the gates, bridges, CRT CEO's wallet ,other boats and everything else.

Edited February 4 by Russ T

[robtheplod]

I've found the perfect insurer for you!!

 

 

[Memories]

11 hours ago, robtheplod said:

I've found the perfect insurer for you!!

 

 

Really mature!

[MtB]

9 hours ago, Memories said:

Really mature!

 

And very amusing!! 

 

[IanD]

13 minutes ago, MtB said:

 

And very amusing!! 

 

And sadly accurate in some cases... 😞 

[MtB]

22 minutes ago, IanD said:

And sadly accurate in some cases... 😞 

 

Well yes, that is WHY its amusing!

 

Its only amusing because its so accurate.

 

 

Who was it who said analysing humour is like dissecting a frog? 

 

Both die in the process....

 

 

Edit to add:

Goggle suggests it was E B White. Never heard of him!

 

https://www.goodreads.com/quotes/440683-explaining-a-joke-is-like-dissecting-a-frog-you-understand

 

 

 

 

Edited February 9 by MtB
Add a bit.

[Russ T]

14 minutes ago, MtB said:

Who was it who said analysing humour is like dissecting a frog? 

Miss Piggy?

[IanD]

1 hour ago, Russ T said:

Miss Piggy?

I suspect she'd boil the frog first though... 😉 

[Memories]

6 hours ago, MtB said:

 

And very amusing!! 

 

In you tiny mind.