Join Date: May 2005
Location: Following the Sun
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Most policies and contracts of insurance are based on the information supplied when the contract is made between the two parties; the insurance company and you.
If for any reason the information that you supplied at that time changes you should inform your insurance company of this and they may make a decision on what effect that would make to the continuation of the cover at the price you paid. In other words you have given them an excuse to review your contract.
If you choose not to tell them then whilst they will not be able to withdraw the legal third party cover they will almost certainly try to wriggle on the rest of it.
As to if a legal challenge would succeed in extracting blood from this quite wealthy stone depends on your nerve and depth of you pockets.
It would seem to hinge on the question "Where is the vehicle normally stored" To use the test of what a 'reasonable man' would consider to be Normally Stored is a useful but hardly a definitive test. Normality is usually considered to be the usual state of affairs where as temporary variation from it is just that and as such is not the Normal.