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Insurance companies watch what addresses you 'try' on compare sites

Discussion in 'Motors' started by Vanilla, 6 Jan 2021.

  1. Vanilla

    Sgarrista

    Joined: 18 Oct 2002

    Posts: 9,360

    I updated the OP about the extras I had to pay. Do you know anything about this 'out of the UK for 6 months+ counts as not being a resident for that time?
     
  2. Rids

    Soldato

    Joined: 30 Sep 2008

    Posts: 6,579

    Its the first time I've heard of it, I'm not saying its not a common policy but its not something I've heard of previously.

    In some ways it makes sense, if you've done a 6 month stint abroad you've not really lived at the same address for an uninterrupted period of xxx years, ideally you'd declare your address like:

    18 years - 123 Street
    6 Months - Abroad
    8 Years - 123 Street

    If the 6 months had been at an different residential address in the UK you wouldn't have excluded that. However even with my industry hat on, in your position I'd probably have done the same as you and thought nothing of it.

    That doesn't feel like something that has been picked up from a quote manipulation check. I think they were just checking that the address you put in was the one the vehicle was going to kept at, and then when confirming your time at the address this came to light.

    From a personal stand point, it seems harsh to me, I'd certainly not be happy, but tough one as its probably wrapped up in the documentation somewhere when you performed the quote about what you should / should not disclose.

    Out of interest who were the insurer? From the fees it doesn't look like my place.
     
  3. koooowweeee

    Soldato

    Joined: 13 Jan 2010

    Posts: 6,201

    Location: Manchester

    They have to cover themselves. If someone is dishonest about points what else could they be dishonest about. But yeah, you could possibly stitch someone up.
     
  4. koooowweeee

    Soldato

    Joined: 13 Jan 2010

    Posts: 6,201

    Location: Manchester

    Suppose it would work, but still pointless?

    I check prices with all my details then buy the best around deal, what's the point in messaging about? What gains are there?
     
  5. Vanilla

    Sgarrista

    Joined: 18 Oct 2002

    Posts: 9,360

    It was a year in the US and two in Oz.

    The company is Hastings.
     
  6. Razor-BladE

    Mobster

    Joined: 15 Feb 2009

    Posts: 4,186

    Location: Bristol

    But don't they check all of this before paying out for a claim anyway, because they always try to not pay out if they can help it.
     
  7. Rids

    Soldato

    Joined: 30 Sep 2008

    Posts: 6,579

    Obviously an insurer will perform a myriad of checks before paying out a claim to a customer, just to ensure that the event was insured and the correct premium had been collected in regards to the risk. The challenging part is third party losses, if you're covered by a particular insurer and plough into the back of somebody that insurer is then liable to settle that third party claim no matter what (as long as fault can be proven, and despite many horror stories to the contrary, the vast majority of cases fault is uncontested), and with somewhere between 70% and 80% of claims costs being third party settlements you can see why this sort of checking at point of quote is so important.
     
  8. Vanilla

    Sgarrista

    Joined: 18 Oct 2002

    Posts: 9,360

    ......and now they've asked for pictures of my driving license :p

    The funny thing is this is a policy I'm talking out for a car I drive maybe once a year. I took it because I have 9 years NCB but have not had a car for almost 2 years. So rather fork out £330 for a year which will then give me 3 years cover (with regards to keeping the NCB - one year in use then another two years of grace where they are idle) than lose them.
     
  9. jamoor

    Sgarrista

    Joined: 22 Jun 2005

    Posts: 8,822

    Location: Nottinghamshire

    In Germany due to data privacy you can get a quote without giving your name, address or car registration number.

    Much better.
     
  10. Razor-BladE

    Mobster

    Joined: 15 Feb 2009

    Posts: 4,186

    Location: Bristol

    Oh yeah, fair enough, makes sense!
    Well, I think there's got to be a better way of ensuring correct information then say making it uninsurable or cancelling policies because of a search result!

    Would this only be possibe through a direct quote with the company or can they still track searches through a comparison website?

    I definitely went through many quotes a few years ago adding/removing family members to see which was cheapest! Glad I didn't get a phone call! :D
     
  11. koooowweeee

    Soldato

    Joined: 13 Jan 2010

    Posts: 6,201

    Location: Manchester

    Yes but they still have to pay for the other car, I think? If at fault that is.
     
  12. Nasher

    Capodecina

    Joined: 22 Nov 2006

    Posts: 19,077

    As mentioned earlier, I use fake details to test quotes. I've noticed this years ago, after a few tests with real details the prices started going up.

    I use a VPN as well so even my IP cant be linked.

    Another trick is if your profession is one which hikes premiums, register a LTD company and then you can legally be almost anything you like :D
     
    Last edited: 7 Jan 2021
  13. jpaul

    Capodecina

    Joined: 1 Mar 2010

    Posts: 13,050

    in that case you can't say you have lived uninterrupted in the UK strictly (red flag question)- I've faced that dilema, after a few years back doesn't seem to make a premium difference.


    With the recent buy out of one of the comparison sites, I assume margins are falling, anyway personally don't use them, just go direct on the regular suspects, where you can often get combined break-down+insurance and play with excess/legal-options easily ... then type all the details in again to go through cashback.
     
  14. Amos91

    Wise Guy

    Joined: 8 Oct 2008

    Posts: 1,988

    Location: Northamptonshire

    It's not a gain, its just to check without having the issue the OP described. E.g. if I think the mileage could be tight based on the estimate I will see how much extra a small increase is. Or if I want to modify further down the line, what's the rough cost for window tints as an example.

    I don't want the insurance ringing up like the OP asking to prove I haven't got tints already etc.
     
    Last edited: 7 Jan 2021
  15. lltfdaniel

    Wise Guy

    Joined: 23 Feb 2009

    Posts: 2,292

    Location: Bournemouth

    Also if you don't want to take chances, i suggest you always use a vpn to protect your self from man in the middle network attacks, not just being anonymous though.

    For me man in the middle attacks have been a nightmare, so with vpn they cannot manipulate the connection anymore well mostly i mean gives you far better security though.
     
    Last edited: 7 Jan 2021
  16. MagicBoy

    Capodecina

    Joined: 18 Oct 2002

    Posts: 17,320

    Location: South Manchester

    If you kept a UK bank account still active to that address, then surely you were still legally resident there?
     
  17. Vanilla

    Sgarrista

    Joined: 18 Oct 2002

    Posts: 9,360

    They said they class being out of the country for over 6 months as not resident
     
  18. Hades

    Caporegime

    Joined: 19 Oct 2002

    Posts: 25,423

    Location: Surrey

    Safer. But still not 100% safe.

    https://www.bluevoyant.com/blog/the-nordvpn-breach
     
  19. Nasher

    Capodecina

    Joined: 22 Nov 2006

    Posts: 19,077

    Nord isn't the best one around. I found some things could detect and block it which Cyberghost and AirVPN went right though.
     
  20. bainbridge

    Mobster

    Joined: 9 Dec 2009

    Posts: 3,919

    Location: Bristol

    I do this with performance mods, running through quotes with and without certain mods to see how much they load the premium by, it's an influencing factor on what mods I'll fit.

    At a brokers I used to work at, some insurers asked for photos of the engine if customers had run through certain quote options, after the policy had been arranged.