Unusual car insurance question: where would I keep my car overnight?

Most insurers I have used require the address where the car is garaged.

This allows them to apply the risk premium based on the respective rates of damage, theft etc in various localities around Aus.

Ring them up, they should already have this information when you took out the policy surely??

I wouldnt be replying by any letter, Id be ringing them direct to see what the go is. It is a question that they always ask but if you have a policy with them already then why they would be asking that now is a bit strange unless they think your trying to pull a swifty, like live in a high crime area which will increase your premium but have the vehicle insured at say mums address in a lower crime rate area ?? havnt just got divorced have you ?? things can get nasty lol only kidding...........

They need to know the usual address where it's parked & if it's left on the street, under a carport or locked in a garage to gauge the risk of it being stolen. No doubt some people insure their cars at a country address to keep premiums down while living in the city.
Cheers Craig...............

Most insurance companies ask for your Post Code.

We have a bulk insurance deal with several policies.

I enquired re: the Post Code and the reply was, our Post Code is in a severe Hail Damage area.

We are on the edge of a Rural Area and not to much crime occurs.

I agree, if in doubt phone them and ask for reasons.

Cheers

The general insurance population are to blame for more and more questions getting asked.

Insurance premiums have decreased over the years per capita of claims due to people wanting cheaper insurance.

For insurance companies to compete, they have to lower their risk meaning they will ask more questions regarding the vehicle, the intended use, drivers and the owner.

We had a friend denied insurance due to the fact he had been bankrupt 6 years ago as an outcome from his marriage.

Don't be surprised in the near future if questions about your financial situation and stability are asked before insurance is granted or a claim paid.

And to those who will come back and say they won't give the insurance company this information..... looks like you will have no insurance.

I raised this point a while ago in another thread where we were hit by another person and even though she had paid her premiums for a long time, her insurance company said she wasn't covered just cause she had a policy. They needed to check her details before approving she's covered. I questioned our insurance company and found some very interesting info. Just because you have a policy and pay a premium, it doesn'r mean your covered. For example, if your policy states the car is garaged and you leave it out for some reason and it is stolen you may not be covered. If your policy states you must have a clear driving record and you don't, you may not be covered. There are lots of clauses in the "fine" print of a policy that most people gloss over that could void their policy if the insurance company wanted to.
It may also be that the insurance company is auditing policies to ensure everything is correct and noticed they didn't have the garaged address, it may be an innocent request.

Josh