Car Insurance/change of address

Rita_Beanie

Hi,

I`m just wondering if you could give me some advice,it might sound strange thou...

I moved to my new flat which is only 3 miles away from where i used to live,i know i have to advise my insurer of the change of address.

I don`t think my premium would go higher(can`t see any reason why),but i guess these companies can charge you more whenever they can...
I`d just like to be prepared just in case,is there any "tricks",any line i could use to keep everything as it was?Maybe one of you had the same experience?

I thought i asked the Monesavers first, before i call them...
The street is quiter and still parking on the driveway, and still in the same area..

thanks,

Rita

losgiganteskid

Hello Ms Beanie - if your new address is only 3 miles away you may find the premium will be the same, on the other hand you may find yourself just nudging into another higher risk post code area. There is no way of knowing whether it will be the same, higher (or lower) until you take the plunge and tell the insurers. You may be hit with an "adjustment fee" which could be £20 ish just for notification of a change of address. Are your garaging arangements for the car the same ?

Tahiti

You're likely to have to pay an admin fee, but as for changing area, a 3 mile difference around where I live makes a big difference to a premium payable. You will only be able to find out by asking, or doing a price comparison on your old postcode, and new postcode.

garfieldslasagne

losgiganteskid is right, there might be a change in your premium if your sector code has changed (ie the second part) or if your parking arrangements have changed or there may be an admin charge for simply processing this and generating a new schedule of insurance. If you're with a broker you may find they charge a fee as well as the insurance company. If you are charged, challenge your broker and you should find that they'll waive their admin fee.

MrsM_4

Hi Rita

got hit with this recently myself. was told that we were due a ratings rise of £2.75 and an admin fee of £15! This was to produce a new schedule...

I sat and thought about all this, comms had been by email and they wern't hassling me for payment, so I thought I'd let it ride until renewal and then probably change company anyway..

HOWEVER! In the mean time I have had a nasty smash and suddenly thought of the address thing - whoops. I still have a redirection in force from the old address so mail would still get through, my concern was that if I had to complete a claims form, I wouldn't know what address to put on it - ie to lie or not to lie! didn't like the idea of this at all and 24hrs after the crash, claim had already been telephoned in I called the HO up and got it sorted - didn't like the idea of them wriggling out of a fairly expensive claim...

The moral of this story?,, errr, perhaps in hindsight I could have got away with this. I didn't have to complete a form, if I did have, I could have been less than forthcoming with the truth, as my redirection would have carried me thru, but like I say, things like that don't sit easy with you do they?!

Dicey call, but be ready for the admin charge, our insurance is with churchill - OH YES YES YES!! (nodding dog!)

when is ur renewal due? do you have access to mail at old address?

mmmm

Rita_Beanie

Hi,

thanks for the reply, good to know not i`m the only one with the same dilemmas.
My parking situation is still the same,parking on the driveway as before.
So, no matter what, i will be charged...i guess i can take it as a fact.
My renewal date is in Sept. so i can`t wait it out, trust me i wouldn`t tell them if i was closer,i don`t use the car as much as i used to, so why should i give them money for no reason...

I`ll wait, and when i get paid i call them, and see what they say=how much they are gonna charge me...

Thanks for the help

Rita

lisyloo

I`ll wait, and when i get paid i call them

Be careful.
If you don't give them correct information they might deny a claim EVEN if it doesn't seem relevant.
In your posistion I wouldn't take the chance.