We have been travelling in caravan for over 4 years, permanently on the road. We have a property in Qld that is rented, and had RACQ as insurer for car and caravan for 18 years. Recently upgraded our car (in 2016) bought in SA, registered in SA and in October 2018 bought new caravan in SA, also registered in SA. This week RACQ emailed they will no longer insure our van and car, because we have no fixed address and not in Qld for any length of time. We're in state of shock and have called around to many insurance company's to be told 'sorry can't insure you, as do not have fixed address', Aami, Alliance, RAA, all declined. Youi, CIL, Apia all very expensive. We hoping a broker will come up with someone to insure us and not be ridiculously expensive?
Like to hear from any grey nomads who are permanently travelling, without a fixed address as to who they're insured with?
Bru said
03:24 PM Nov 27, 2018
G'day Jaycosy We are insured with Elders, I was insured with them when I had an address but since hitting the road we have had no troubles just organise over phone and email, never been asked for address other than we occassionaly give then Daughters for any mail but now always email.
Warren-Pat_01 said
03:29 PM Nov 27, 2018
I'm not a nomad (yet) Gary - we're too busy chasing up families! Welcome to the forum - I guess a few others will say "G-day too" & could answer your question better. There are "specialist" companies around.
Jump on to the forum, go to "Search" & put in "No fixed address" & you'll find some answers there.
Our son had issues with his house in Canberra. The builder built a palace with everyone's money, then went bust, leaving 15 owners & many subbies up the creek with not much of a paddle! The house was almost to lock up stage (our son had to re-buy & fit the garage door) but as there were no appliances inside, "it was unoccupied" & no companies would cover it - even the one he had used for years! The only company that would cover the house was NRMA.
You are in a similar situation to those of us who live from Rockhampton, north! There "might" be a risk of cyclones!! So we either get wiped or screwed (we pay double to what my sister-in-law pays in Toowoomba & they get the odd severe storm)! After suffering many years of drought here, a storm would be a welcome relief.
Tony Bev said
03:48 PM Nov 27, 2018
Welcome to the forum, Jaycosy
I can probably see the reason behind some insurers, not insuring if no fixed address
I am led to believe, (but could be wrong), that if you insure something with two insurers, they will work together to see you do not get a double payout
Many of us could have the same name, but unlikely to also have the same address
I will be interested to see the outcome of this problem, I would probably use a relation/friend address, if/when I go on the road full time
Possum3 said
04:58 PM Nov 27, 2018
You could always set up an Address at one of your Kid's place (Assuming you have any). Alternately you can set up an address with an Attorney's office with all contact set up through your email address - They charge a fee for this service - pick a country practice in the best/cheapest State for registration charges and one that doesn't require annual vehicle inspections.
JohnR said
09:31 PM Nov 27, 2018
We are "On the Road" full time with no real estate. Not alone there are many grey nomads out there and many members on this forum in same boat as to say. Our car is insured with GIO utilizing our base camp address which is Jenny's elderly mum and the vehicle is registered in NSW.
The van has residential address in Vic and consequently the rego costs are $59-. The Insurer is CIL who will insure your van for Australia wide. They may be expensive but they meet our needs as we travel this great country and can be any where at any time.
Welcome to the forum.
JohnR
Eaglemax said
04:40 PM Nov 29, 2018
One reason alone (and there could be others) for address needed is insurance cost.
There are high risk areas for- theft of vehicles for example. I lived in Euroa Victoria where the vehicles insurance was high and wondered why as it is a quiet country town on a freeway. But then moved 15 minutes up the hill to Strathbogie. Insurance cost is the same. Then it dawned on me. Euroa and several satellite towns have the same postcode number of 3666. The postcode is always asked when applying for insurance and therefore those satellite towns that have a high number of accidents with collisions with animals result in a high number of claims. Effectively Euroa customers subsidize the other towns for the high number of claims.
So I presume, how can an insurance company insure someone if they have no fixed address? Just a thought.
Tony
darjak said
05:56 PM Nov 29, 2018
Just use my wife's brothers place as he has farm for insurance purposes.
Postal is daughters place, thou for insurance is $200 dearer.
If on road fulltime and you don't want the hassles of voting you can get
yourself taken off the electoral roll by classing yourself as an itinerant.
We have been travelling in caravan for over 4 years, permanently on the road. We have a property in Qld that is rented, and had RACQ as insurer for car and caravan for 18 years. Recently upgraded our car (in 2016) bought in SA, registered in SA and in October 2018 bought new caravan in SA, also registered in SA. This week RACQ emailed they will no longer insure our van and car, because we have no fixed address and not in Qld for any length of time. We're in state of shock and have called around to many insurance company's to be told 'sorry can't insure you, as do not have fixed address', Aami, Alliance, RAA, all declined. Youi, CIL, Apia all very expensive. We hoping a broker will come up with someone to insure us and not be ridiculously expensive?
Like to hear from any grey nomads who are permanently travelling, without a fixed address as to who they're insured with?
Jump on to the forum, go to "Search" & put in "No fixed address" & you'll find some answers there.
Our son had issues with his house in Canberra. The builder built a palace with everyone's money, then went bust, leaving 15 owners & many subbies up the creek with not much of a paddle! The house was almost to lock up stage (our son had to re-buy & fit the garage door) but as there were no appliances inside, "it was unoccupied" & no companies would cover it - even the one he had used for years! The only company that would cover the house was NRMA.
You are in a similar situation to those of us who live from Rockhampton, north! There "might" be a risk of cyclones!! So we either get wiped or screwed (we pay double to what my sister-in-law pays in Toowoomba & they get the odd severe storm)! After suffering many years of drought here, a storm would be a welcome relief.
I can probably see the reason behind some insurers, not insuring if no fixed address
I am led to believe, (but could be wrong), that if you insure something with two insurers, they will work together to see you do not get a double payout
Many of us could have the same name, but unlikely to also have the same address
I will be interested to see the outcome of this problem, I would probably use a relation/friend address, if/when I go on the road full time
We are "On the Road" full time with no real estate. Not alone there are many grey nomads out there and many members on this forum in same boat as to say. Our car is insured with GIO utilizing our base camp address which is Jenny's elderly mum and the vehicle is registered in NSW.
The van has residential address in Vic and consequently the rego costs are $59-. The Insurer is CIL who will insure your van for Australia wide. They may be expensive but they meet our needs as we travel this great country and can be any where at any time.
Welcome to the forum.
JohnR
There are high risk areas for- theft of vehicles for example. I lived in Euroa Victoria where the vehicles insurance was high and wondered why as it is a quiet country town on a freeway. But then moved 15 minutes up the hill to Strathbogie. Insurance cost is the same. Then it dawned on me. Euroa and several satellite towns have the same postcode number of 3666. The postcode is always asked when applying for insurance and therefore those satellite towns that have a high number of accidents with collisions with animals result in a high number of claims. Effectively Euroa customers subsidize the other towns for the high number of claims.
So I presume, how can an insurance company insure someone if they have no fixed address? Just a thought.
Tony
Postal is daughters place, thou for insurance is $200 dearer.
If on road fulltime and you don't want the hassles of voting you can get
yourself taken off the electoral roll by classing yourself as an itinerant.