Insurance predicament

They've done you a favour, seeing as you failed to disclose a change of status that affects your policy. If you had tried to make a claim down the track they would have refused to pay out.
In their risk assessment matrix, changing to a nomad lifestyle exposes your vehicle to much greater significant risk.

An insurance broker may be the easiest way to get a suitable policy.

G/Day Kirk, You need a fixed address to give to any insurance company!



Sister, Brother, or any Relo?....Whilst travelling around.


Cheers Axle.

As I have posted before..regardless of what you or I think..or the realities of life.

All the government authorities and all the large business believe you must be either some sort of criminal or vagrant if you can not produce a permanent fixed address.

Regardless of the reality, if you want to have anything like a reasonable relationship with the government or large business, you must contrive, within the law to have a permanent residential address...and return there from time to time.

Therefore

"I live at #######, but I have been traveling for some time"

Cheers

I discovered slightly by accident last week that the risk to insure my Pajero with AAMI at our address is significantly more than to insure it at my next-door neighbour's house. $110 more in the premium. When I argued that one I was told that our address had more claims against it than the neighbours. Hardly fair given we just bought the house and we have never had a motor vehicle claim ourselves.

Pat

Try TCIS insurance brokers. They are 4x4 and caravan specialists so may well cater for your situation. I have been very happy with them to date for the Tuck Truck - no claims as yet and hopefully will never have to.

TCIS Insurance Brokers

Good luck and enjoy the travels

Mick

registration could be an issue too! When I moved out of NSW to Singapore I left my vehicle with my daughter in Darwin,thoughts of heading over to NT and doing some 4WDing. When I wanted to register it they would not allow me to because I was not resident in NT even though the car would be in NT and NRMA in NSW would not insure it because it was NT rego. Had to change the car to my daughters name but could still insure in my name with TIO. Have had a claim since (thanks Son I-L) which was paid no problems. The vehicle is now in Qld but still insured with TIO who are aware of the move. Could be something to do with being in armed forces, not sure as I am still overseas.

Thanks everyone. Some positive and some not so positive. The law is a pain. I bought a camper in Melbourne once and couldn't register it because I didn't live there???? Anyway will digest all that and make some enquiries after Easter. They caught me out on the phone and I was too slow to make up a story. You got to wonder if it's even worth I surfing these days. I could have bought two cars with what I've payed over the years. Cheers.

Despite having had just a single hundred-dollar insurance claim in 46 years of driving, I've had the same problem with insurance. For years I have been leaving RAA with temporary addresses, sometimes ones I haven't been to for two years. When I confessed to them last that I was usually living on the road, they said they didn't want to insure me for comprehensive, but would continue with third party property.

I inferred from my conversation with them that I could put down a friend's address, and if it turned out I didn't live there, and had a crash interstate, they would still pay out, or at least most of it.

I'm switching to AAMI and will just give them caravan park/post box addresses in major towns and change this every few months or so.

It's all very messy.

I've had a single hundred-dollar insurance claim in 46 years of driving.