Mother has moved to nursing home. The house is now being lived in and looked after by two of her children (i.e. bills changed and paid by) who have lived there on and off since birth. There are more children and grand children who 'come and go' for periods so it general it's a reasonably busy home. Who should apply for insurance and how do they answer the 'How long have you been living at the address' question. Are there penalties or indeed gains to be made by being 'legally imaginative' (for want of a better word) with how things are phrased/answered ? For instance, one child is 8 years older so may put the insurance in their name if they give cheaper quotes for older person and vica versa.