strange newbie question - car insurance

[Morticiah]

Hello peeps, isn't the weather lovely!?

 

I've been very lucky in my search for the boat that wishes to own me and, remarkably, I may have the chance of a permanent residential mooring. This is most unexpected as I planned to CC.

 

All my finances were planned based on CC'ing, so I'm having to rethink things ... d'ya reckon that my car insurance is likely to rocket if I give them a marina address?

 

That might seem like a strange question - but I am sure one of my friends had a massive increase in his car insurance when he moved into a Marina (as opposed to the 'rentals house that he 'lived' in).

 

Is it just down to Post code - or do they consider Liveaboard people a higher insurance risk?

 

Be gentle with me guys 'n gals.

 

 

 

 

[Jo_]

Some insurance companies (e.g. Hastings Direct) won't insure your car unless your home is bricks and mortar. Others, like Direct Line, don't even ask about your type of home. When my address changed from bricks and mortar to our boat on a residential mooring in a marina, my car insurance premium went down (which will be a function of the postcode I expect).

 

One thing you could do is ask others on your residential moorings who they use for car insurance. Then do a shop around and since I know from personal experience that it doesn't have to make a difference (allowing for postcodes), keep shopping till you find the best deal.

[Ally]

I once had my car insurance revoked. They accepted me, with the marina address. Something made me, a couple of weeks later, just check they realised I lived on a boat. I forget why I checked now, anyway, they promptly withdrew their insurance from my car, even though the address was acceptable on their computer system. It seems they see boaters as travellers and refuse to insure travellers! I ended up taking a complaint through via my MP. I got an apology, refund and a token compensation, but they still held I was uninsured Le because of living on a boat. I always make it clear now if asked, from the start, as I'm sure it would be used as a get out clause by them otherwise, we're I to claim. The fact I was a business owner (on land) with full no claims, made no difference at all, nor that it was parked in a secure compound overnight!

Edited July 24, 2015 by Ally

[Morticiah]

I once had my car insurance revoked. They accepted me, with the marina address. Something made me, a couple of weeks later, just check they realised I lived on a boat. I forget why I checked now, anyway, they promptly withdrew their insurance from my car, even though the address was acceptable on their computer system. It seems they see boaters as travellers and refuse to insure travellers! I ended up taking a complaint through via my MP. I got an apology, refund and a token compensation, but they still held I was uninsured Le because of living on a boat. I always make it clear now if asked, from the start, as I'm sure it would be used as a get out clause by them otherwise, we're I to claim. The fact I was a business owner (on land) with full no claims, made no difference at all, nor that it was parked in a secure compound overnight!

 

thanks for that Ally ... that is almost exactly what happened to my friend! I knew I wasn't imagining it!

 

and thanks Jo - I'll check when I'm there tomorrow.

[brassedoff]

Wow, thats something i never thought of.

 

thanks for this thread Morticiah i hope you get it all sorted out with no worrys when driving. x

[David Mack]

And if a residential marina mooring with secure parking is seen as an insurance risk by some companies, what do they make of CCers?

[John V]

That's scary Ally........can you name the company?

[valrene9600]

And if a residential marina mooring with secure parking is seen as an insurance risk by some companies, what do they make of CCers?

They must use a land address, friend, family, must leave them open to refusal of a claim unless they have been honest in declaring living on a boat.

[Ally]

That's scary Ally........can you name the company?

Yes, ironically, the Green Insurance Company! !

Looks like they aren't doing new car policies now for whatever reason. I chose them because of their supposed green ethics, but they saw nothing green about us boaters!

[MtB]

Yes, ironically, the Green Insurance Company! !

Looks like they aren't doing new car policies now for whatever reason. I chose them because of their supposed green ethics, but they saw nothing green about us boaters!

 

 

Yes. CCing is a particularly environmentally unfriendly lifestyle.

 

We've not had this debate for a while, maybe it's time for another airing!

[patty-ann]

Maybe it would be an idea if people could notify if there is good boater friendly insurance company out there.

[b0atman]

I am with LV address is N.B Peace at marina.

[Jo_]

And we are both with Direct Line, address is boat name at marina. Also friend at our marina is now with Allianz, adress is boat name at same marina

Edited July 25, 2015 by Jo_

[patty-ann]

Thanks

[barmyfluid]

I've got Lancaster insurance on a 1977 Series III Land Rover, and it very specifically says no boats, mobile homes, caravans, yurts on a swamp-raft etc....it took me a good while to find cheap classic car insurance for her, she may have to go once I get the boat

[brassedoff]

[

I've got Lancaster insurance on a 1977 Series III Land Rover, and it very specifically says no boats, mobile homes, caravans, yurts on a swamp-raft etc....it took me a good while to find cheap classic car insurance for her, she may have to go once I get the boat

Maybe these chaps could help, I used them for classic landy insurance

 

http://www.heritagecarinsurance.co.uk/

 

I see they do motor home insurance too, its worth a phone call I rekon

 

Dont give up your landrover lol nooooo!

Edited July 26, 2015 by brassedoff

[barmyfluid]

 

...where there's a will there's a way

[Morticiah]

oooh - thanks for the landrover comments (and interesting picture) - I've also got an ancient Landrover (1962 Series 2a with a capstan winch ) which is insured with a specialist Classical car insurer. I'll double check the small print.

 

Edit to correct typoo

Edited July 26, 2015 by Morticiah

[brassedoff]

oooh - thanks for the landrover comments (and interesting picture) - I've also got an ancient Landrover (1962 Series 2a with a capstan winch ) which is insured with a specialist Classical car insurer. I'll double check the small print.

 

Edit to correct typoo

have you got an ikkle fairy capstan winch by any chance lol

 

aww we could take over the whole forum with landrover chitty chatty.

 

Heritage was £160 Fire n Theft with full no claims for my hybrid series 2 on a shortened range rover chasis with a straight through v8. Hahhahha

 

stuff em, I have grown some morals since though. Clashes beers with you no smileys on my tablet

 

hey it was tax free too, woohooo!

 

...where there's a will there's a way

Hahahahahaha, thats a bloody good comprimise. Cant fault ya.

 

But keep your landy together, that narrow boat has identity issues. Lol

 

what the frick is the spare wheel for. Confused.com

Edited July 26, 2015 by brassedoff

[Alan Saunders]

When you buy an insurance policy it is little different to placing a bet with a Bookmaker. You bet that you will have to claim, the insurer bets that you will not; you bet that your horse will win, the Bookie reckons it won't. In either case it does not usually matter to the insurer or the bookmaker if you win or lose, they have set the odds to their advantage. The Bookmakers only lose money when they take a view in the hope of a huge profit, a gamble.

 

Both like to advertise their largest settlements to encourage more business but both also have their 'small print' that enables them to refuse most (every?) claim if they decide that it is 'in their best business interests'. In the insurance business you may be refused insurance if proved to make a false declaration; in the gambling business you may be 'gubbed' simply for repeatedly winning. Some insurance companies depend on 'independent assessors' paid a percentage of the reduction of the claim, to reduce or refuse every claim.

 

Most Insurance Policies are underwritten by Lloyds and I am very pleased when any MP member from any Party 'catches a cold' or is, better, bankrupted!

 

The best you can do is answer the Insurer's questions honestly. I do not understand why Ally could not have given her address in the standard format: e.g. 19 The Moorings, BS1 2BS.

 

Alan

[Ally]

I did give my marina address.

[Looby Loo]

I CC but do need a car for work. I use Aviva. I explained the whole CC thing to them and they were absolutely fine with it. There were several back and forward phone conversations with the underwriters covering things like "how does the car move with you?, is it left abandoned for long periods of time etc - all valid concerns on the part of the underwriters and I am assured these are now file notes in the event of a claim. They were happy for me to use the company's registered address to work out the premium which is where I am "loosely" based for work, although I spend most of my time out and about at a number of widespread locations which they are also aware of. Car is insured for business use. Any CCers with car insurance problems give them a try. I specifically did not want to have to give a relative's address as this would cause problems in the event of a claim.