Motorhome and the electoral register

[CavityandLacey]

I recently renewed my motorhome insurance and one of the questions I was asked was ’are you on the electoral role at this address’ i.e. my home address. I am at the moment but will not be shortly as we have sold our home and moving to the north of Scotland in a few months but will be staying in a holiday let until our new home is built. I asked the insurance company what I should do and they didn’t know but said they would get back to me but suggested that I would need to pay the premium for being ‘full time’ in my motorhome. I am insured with Comfort Insurance. I’m still waiting on the insurance company and as it is now 2 weeks down the road I suspect they have filed it in the ‘too hard to solve bin’. Has anyone else had this issue and if so what was the outcome.

 

[REC]

Where is your mail going, if you are fairly permanently in the holiday let until your house is built, then you can register on electoral role there. Same as someone renting ?

 

[runnach]

Moreover, you have discharged your obligations for insurance by disclosing material facts which could influence the insurer in the worst case scenario to provide cover.

Your current status is correct and you have disclosed your intentions to the best of your knowledge as things stand. Once you move, you will have a residence,no different to a lot of people in terms of a short term tenancy, furthermore the land you own and are building upon will be your permanent address

 

[in h]

You should register to vote at your holiday let address.

 

[mickymost]

What has an electoral register got to do with Vehicle Insurance.Ive never been asked that question when getting a quote.Strange.

 

[in h]

What has an electoral register got to do with Vehicle Insurance.Ive never been asked that question when getting a quote.Strange.

I don't know why, but I have been asked in the past. More often it is to do with systems that are verifying your identity.
Well worth being on an electoral register somewhere where you have a postal address, even if you don't spend much time there.

 

[st3v3]

What has an electoral register got to do with Vehicle Insurance.Ive never been asked that question when getting a quote.Strange.

Maybe a good indicator of someone full timing, which will attract a higher premium.

 

[in h]

Maybe a good indicator of someone full timing, which will attract a higher premium.

It would be a very bad indicator. A full-timer has a right to be on the electoral register.
The policy always seems to set a limit on how long you use the motorhome each year.
I've never seen a policy that doesn't require you to declare if you are full-timing.

 

[Drover]

We had the same trouble with Comfort, it looks like the same scenario we had in if we did not go on the electoral register we would have to pay their fulltime premium.
It was all long winded and I wish we had gone elsewhere but we had been with them for a long time and a 10 year old motorhome was their cut off point for fulltime cover. Not sure if it's still the same.
We dont have a house but have an available bedroom at our daughter's house , same place as vc5, drivers licence and so on is kept....(we dont fulltime, just 9 months in12)

 

[jacquigem]

The C&CC policy used to advertise 9 months EU cover but you could not live in it for more than 7.?Interesting. I think they have changed it now mind

 

[st3v3]

It would be a very bad indicator. A full-timer has a right to be on the electoral register.

****. Could you possibly think of a reason why someone might not be on the electoral register?

Maybe, just maybe, they might not have an address, i.e. be full timing.

Did you read what the insurance told the OP?

I asked the insurance company what I should do and they didn’t know but said they would get back to me but suggested that I would need to pay the premium for being ‘full time’ in my motorhome. (If I wasn't on ER)

And then someone else has posted:

We had the same trouble with Comfort, it looks like the same scenario we had in if we did not go on the electoral register we would have to pay their fulltime premium.

I've never seen a policy that doesn't require you to declare if you are full-timing.

Quite, but maybe sometimes people don't tell the truth. The ER question would mean you've told two lies to avoid the declaring your FT position giving them an easier time of not paying out.

 

[CavityandLacey]

Thank you everyone for your thoughts . I’m sure I will work something out. I think they only ask on moho policies to find out any full timers . They don’t seem to ask on car insurance. Mail will come to the holiday Let within the owners grounds .

 

[in h]

Quite, but maybe sometimes people don't tell the truth. The ER question would mean you've told two lies to avoid the declaring your FT position giving them an easier time of not paying out.

An insurance company doesn't need more than one reason to avoid paying out.
If you tell a lie on the proposal, they'll take the premium, but if there's a claim, you are likely to find you weren't covered.

 

[st3v3]

An abbreviated expletive is still an expletive. ***, off if you can't cope with people expressing an opinion.

The trouble with you is, you don't express opinions, you refuse anyone else's.

And telling another user to **** off isn't really polite now is it. Might even be against the rules

Someone without a settled address still has the right to be on the electoral register. I'm sorry if that simple fact upsets you,

That doesn't upset me at all, Where have I said it does? Or that it's even relevant?

I said someone MIGHT not be on the ER because they MIGHT not have an address. If you 've just been suddenly become homeless and have bought a van instead of living on the street, voting is going to be the last thing on your mind.

Insurance MIGHT agree, hence asking the question.

 

[moonshadow]

Come on children play nicely!

 

[in h]

My post pointing out that https://www.crisis.org.uk/get-help/...s/how-to-register-to-vote-if-you-re-homeless/ says

You can register to vote even if you are homeless or don’t have a fixed address.

was deleted.

So here it is again. I'm sure there will be other, more authoritative sources: that's just the first I found, but it accords with my understanding of the situation.

So if insurance companies think that being registered is an indication that you're not a full-timer, they're wrong.

 

[in h]

The trouble with you is, you don't express opinions, you refuse anyone else's.

You are the first person who has ever suggested that I don't express opinions. I would say that you are wrong.
I don't refuse everyone else's opinions, but I do challenge any that appear to be erroneous.
You, on the other hand...

 

[st3v3]

My post pointing out that https://www.crisis.org.uk/get-help/...s/how-to-register-to-vote-if-you-re-homeless/ says

was deleted.

So here it is again. I'm sure there will be other, more authoritative sources: that's just the first I found, but it accords with my understanding of the situation.

Did you read my reply? I'M NOT DISPUTING THAT YOU CAN'T REGISTER.

So if insurance companies think that being registered is an indication that you're not a full-timer, they're wrong.

I haven't said that either. I've said that NOT being registered MIGHT BE an indication that you ARE a full timer.

Your argument about identity doesn't really follow, because it's not common for them to ask about ER.

 

[st3v3]

You are the first person who has ever suggested that I don't express opinions. ...

Oh, come on. 'One or two' people have expressed a dislike of the way you post yesterday alone.

I would say that you are wrong.
I don't refuse everyone else's opinions

Isn't that refusing my opinion?

 

[in h]

That doesn't upset me at all, Where have I said it does? Or that it's even relevant?

Clearly, something seems to have upset you.
You appear to be quite upset.