A car can be insured where drivers live at different addresses, but the quotation needs to record the actual main driver, registered keeper, ownership and normal overnight location of the vehicle.

How insurers commonly treat this

• The normal overnight location is a pricing factor for many insurers.
• An additional driver can live at a different address from the policyholder if the insurer accepts the arrangement.
• If the vehicle regularly moves between addresses, the insurer can explain how it wants that recorded.

What the quotation may ask for

Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.