c/o Address & car insurance/DVLA

[jckm2000]

Hi Folks,

We've been living aboard one thing and another for a few years now and have previously used my mothers address for the above. Sadly she passed away last year and we now have no family home except our narrowboat. We're based in Cambridge and a local cycle courier company offers a mail service, however they insist on c/o. As a prefix. We're insured (car) through Privilage and we're worried that they'll refuse to continue covering us if we only have a c/o address.

 

Any ideas how we should proceed? Are there any insurers out there who are ok with it?

 

What do you do?

 

Cheers,

 

C.

[simon&jan]

Boatmail.com was recomended to us, not used them yet , not sure about tv license or council tax either but sounds a good idea

No conection to company

[Grace and Favour]

Hi Folks,

We've been living aboard one thing and another for a few years now and have previously used my mothers address for the above. Sadly she passed away last year and we now have no family home except our narrowboat. We're based in Cambridge and a local cycle courier company offers a mail service, however they insist on c/o. As a prefix. We're insured (car) through Privilage and we're worried that they'll refuse to continue covering us if we only have a c/o address.

 

Any ideas how we should proceed? Are there any insurers out there who are ok with it?

 

What do you do?

 

Cheers,

 

C.

 

Whichever insurance company you use, one should be extremely careful that the information you give them regarding where the car is (normally) kept is accurate, otherwise, should the worst happen, and one needs to make a claim, one needs to be certain that the insurers don't refuse a payout on a technicality (such as incorrect information on your application)

 

Talk to the insurers, explain exactly what you do/where you normally are - the insurance may be dearer - but it gives them less wriggle-room !

[classicstove]

If you look in the waterways press under mail forwarding, you will find the ones that specialise in servicing the inland waterways market

 

You are always better to be hoest with the insurer and get them to record that the car/vehicle is not kept at that address

 

Also, get recommendations to which mail forwarder is flexible and understands the waterways - there is one that is still advertising although went out of business some months ago

[BargeeSpud]

 

 

Talk to the insurers, explain exactly what you do/where you normally are - the insurance may be dearer - but it gives them less wriggle-room !

I'd have a chat with an insurance broker first, rather than your own insurance company. Don't give the Bar Stewards any excuse to cancel your cover, not worth the risk.

Edited September 7, 2012 by Spuds

[sueb]

If you look in the waterways press under mail forwarding, you will find the ones that specialise in servicing the inland waterways market

 

You are always better to be hoest with the insurer and get them to record that the car/vehicle is not kept at that address

 

Also, get recommendations to which mail forwarder is flexible and understands the waterways - there is one that is still advertising although went out of business some months ago

I would like to say that John knows the canals and the postal business as well as being a thoroughly nice guy.

Sue no connection to this business

[Midnight Rider]

Boatmail.com was recomended to us, not used them yet , not sure about tv license or council tax either but sounds a good idea

No conection to company

Not too many live aboards worrying about that then?

[simon&jan]

I have no idea about that ,we have no.problem paying either

[Smelly]

Lots of people mention the insurer not honouring a claim but itz's worth reinforcing that driving without insurance is an absolute liability offence; even if you didn't know you weren't covered you're still guilty; there's no question of negligence... If you're bothered about not breaking the law make sure your insurer is well aware of the vehicles circumstances.

[jckm2000]

Update: we're with Privilage insurers and I came clean with them. Told them the post codes where I normaly park the car, where we normally park the boat and my C/o address for correspondance. They accepted this very happily.

 

As for the DVLA we have yet to see.

 

C.