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What is Your Address If You Live on a Boat?

By: Thomas Muller - Updated: 8 Sep 2018 | comments*Discuss
 
What Is Your Address If You Live On A Boat?

Q.

I am new to this, so if you can bear with me! I was wondering, if you live full time on a canal boat how do you pay for your waterway licence as you don't have an address only a mooring?

Organisations like banks and HMRC also need an address for communications, sorry if it seems a daft question. Also do you pay council tax if you live on a boat? I am guessing that you'd still be using some of the local authority services like refuse sites, emergency services and so on.

(J.P, 11 April 2009)

A.

The question of how you can receive post as a liveaboard is common concern for those considering life on the water. Fortunately living on board a canal boat doesn’t mean sacrificing your vital postal link to dry land.

Type of Mooring

The options available in establishing an address and receiving post are largely dependent on the type of mooring you have. Generally this divides into two main categories; whether you have a permanent residential mooring or class yourself as a ‘continuous cruiser’, which means you are always on the move, never staying in one location for very long.

Residential Mooring Benefits

Naturally, the postal needs of liveaboards with a fixed location are much easier to accommodate. Aside from basic facilities such as gas, sewerage and electricity, the cost of keeping residential mooring will typically entitle residents to that other essential requirement of modern living – an address.

Residential moorings will usually allow post to be sent under the resident’s name to their main office, where it can be picked up. Some might even offer their tenants their own post box beside their vessel.

One way of finding out if your mooring is officially recognised as a permanent address is to consult the electoral role. If it isn’t listed then you could have it added.

Continuous Cruiser Concerns

The subject of maintaining a postal address only really becomes more complicated when you don’t have a residential mooring, and live the more nomadic lifestyle of the continuous cruiser.

As they are not allowed to stay in one spot for more than 14 days – according to the British Waterways guidelines – and must keep moving on down the waterways, this naturally makes maintaining a postal address difficult. The main options open are to rent your own ‘PO Box’ or use an accommodation address service.

Companies operate accommodation address services whereby they receive your post and forward it on to any address that you supply them with. Such an address could, for instance, be a local post office in an area you are travelling through.

Of course using the address of a temporary post facility may be frowned upon by a bank or for use on legal documentation such as a passport or driving licence for example. One other solution that would get round this problem would be to use the address of a friend or family member.

Council Tax

Although continuous cruisers face a bigger headache keeping track of their mail, they do at least have the upper hand where council tax is concerned.

In having no official residence they are not liable for council tax. The official word is that they should pay if their boat is their main residence, but in practice only boaters with a permanent mooring – and a permanent address – are expected to pay up. Currently they are within Band A, the lowest band.

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I will be living on a canal barge indefinitely, my concern is that of my personal independence payment and my employment and support allowance, can i use a post office as an address for them?
James - 8-Sep-18 @ 4:37 PM
My husband and I are selling our house so we can live full time on our boat.What address do we give to car insurance and DVLA?Can this be a POBox?Similarly,updating bank account details no passport?Thanks.
Jan - 21-Jul-18 @ 2:11 PM
@Griff - if you are constantly afloat and moving on it is tricky, you have to plan ahead with PO boxes. Or ask a friend or relative to check and forward you the post. Most things are done online now, you may be able to switch most things across and go paperless.
Peta - 18-May-18 @ 3:49 PM
hello, I live aboard my canal boat, but I am planning to retire onto a sea-going sail boat. how would i keep an address?
Griff - 14-May-18 @ 10:20 PM
@ It doesn't affect your council tax but you still have to be careful especially if she's a person whose inclined to rack up debts (you never can be too careful). Why doesn't she set up a PO Box?
Ali - 15-Jun-17 @ 2:07 PM
I have a friend who lives on a canal boat and wants her mail delivered to my address. Does that affect me in any way eg council tax
ninjajan - 14-Jun-17 @ 12:06 PM
Fran - Your Question:
Hi I m going to live on a boat with a mooring that comes with the boat but it will be on a canal not in a marina I need to get myself a p.o. box.will I have to pay council tax

Our Response:
You may have to pay council tax if you live on a houseboat with a residential mooring, please see link here.
LivingOnABoat - 16-May-17 @ 11:58 AM
Hi I m going to live on a boat with a mooring that comes with the boat but it will be on a canal not in a marina I need to get myself a p.o. box.will I have to pay council tax
Fran - 15-May-17 @ 5:06 PM
Debbie - Your Question:
Hi. We will be spending 9-10 months of the year as continuous cruisers when my husband retires next year. We will be keeping our home and in general bills etc are all on direct debit and we don't get much in the snail mail that is important these days. However, we feel like we should still have a system in place for dealing with our mail. We have considered a simple re-direct to our sons house whereby he can open, scan and email anything that does need actioning, but we are not sure if we can only do this for a 1 year period. I have searched the Royal Mail site but it doesn't say there are any restrictions. Any experience in this area you can give?Many ThanksDebbie

Our Response:
Please see UK PostBox link here for one option which takes away having to involve your son as it offers a service which allows you to receive post and manage it online.
LivingOnABoat - 22-Feb-17 @ 12:19 PM
Hi... We will be spending 9-10 months of the year as continuous cruisers when my husband retires next year.We will be keeping our home and in general bills etc are all on direct debit and we don't get much in the snail mail that is important these days.However, we feel like we should still have a system in place for dealing with our mail.We have considered a simple re-direct to our sons house whereby he can open, scan and email anything that does need actioning, but we are not sure if we can only do this for a 1 year period.I have searched the Royal Mail site but it doesn't say there are any restrictions.Any experience in this area you can give? Many Thanks Debbie
Debbie - 21-Feb-17 @ 6:40 PM
Maxine - Your Question:
Hi my husband has just told me that I have to have a postal address so that I can pay council tax as we are living in a marina on a leisure mooring is that right ?

Our Response:
You can see more via the article: Paying Taxes If You Live on a Boat, here which will hopefully answer your question.
LivingOnABoat - 17-Oct-16 @ 11:00 AM
Hi my husband has just told me that I have to have a postal address so that I can pay council tax as we are living in a marina on a leisure mooring is that right ?
Maxine - 16-Oct-16 @ 9:21 AM
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