Ed Case

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Is it legal to insure a car at a different address from where I live

My mum's 73 and can't drive, she lives at one address and i (her son) live 1x mile away..mum bought a car and has me on the v5 and i have insured it. all documents are in mum's address inc my licence..

Q.1 if i was to go bankrupt at my address would anybody be able to reposess the car as it's paid in full by mum.

Q 2. Is it legal for us both to have the vehicle and use it in this way as mum's disabled and don't hold a licence.

Ed Case   (Level 1)  |   Car Insurance  |   01 Oct 2010 00:45
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gices gices  (Level 2)  |   02 Oct 2010 20:34

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If you go bankrupt, debt collectors can only repossess what you legally own. If your mum owns the car and she has the documents to prove it, then nobody can repossess the car if you go bankrupt.

If you live at a different address from your mum, then you should update your driving licence as you could be fined upto £1000 for having incorrect details on your licence. That's one thing. The second problem is that many insurers frown upon cases where the policyholder's address is not the same as where the car is kept. If you've stated that your car will be kept at your mum's address but in reality you are parking it at your address at night, then you may find yourself in trouble regarding the validity of your car insurance.

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