Together with other pertinent information, individuals taking out a car insurance policy are required to provide an address indicating where the car will typically reside. This is because car insurance premiums are partially determined by the postal code where your car is typically parked overnight, as well as whether it's stored in a garage, carport, or on the street.
For the majority of people, the location where they normally park their car overnight will be at their residence. Your car can still be covered by insurance if you keep it somewhere else overnight (e.g. if you’re staying with family and friends in a different suburb or city or holidaying around Australia) but only as long as your vehicle is parked more often than not at the address stated on your insurance policy.
It's also common for car insurance policies to stipulate that the policyholder must reside at the address where the car is usually parked. Remember to review the Product Disclosure Statement (PDS) for any exclusions and limitations.
Additionally, if you leave your declared home state for more than three months, you must update your driver's licence and vehicle registration to your new state of residence. For instance, if you initially registered in New South Wales but have lived in South Australia for over three months, you are obligated to re-register your vehicle in South Australia.
However, if your travels span over three months and you haven't exclusively stayed in one state during that period, you won't need to change your address.
If there are any address discrepancies, you’ll need to discuss these details with your insurer to determine if you’re eligible for coverage. Some insurers may be more permissive than others.