Car insurance- just got married! Please help

kazprincess

Hi, I wonder if anybody could give me some advice please! I got married 3 weeks ago and I'm in the process of changing all my details over on things as I've now changed address and name. In regards to car insurance, it actually expires in two weeks so I'm thinking there is no point changing my drivers licence or car insurance / log book details until my car insurance expires as I'm with Sheila's wheels and they want to charge me £55 for change of address and £26 for change of name which is crazy!! I haven't rang them, just found this out on other forums.
The thing is, when my insurance expires and I get my no claims discount (on max now so don't want to loose it) will my next insurer accept this along with my marriage certificate? I usually swap n change insurers from year to year to get best deals.
I really want to get out of paying a charge!
Many thanks!

InsideInsurance

Insurers will have a very significant issue with you not updating your address on your car insurance, the name and marital status less so.

How much you would have to pay would depend on their admin fees and the change in risk. As you are doing two things at once you should only get one admin fee. Getting married normally reduces your risk so could result in a rebate and moving will depend on their claims experience in the two areas.

Having changed name at renewal shouldnt be a problem however they may get suspicious that you got married on the day your policy renewed or you'll have to admit that you defrauded your previous insurers.

System

InsideInsurance wrote: »

or you'll have to admit that you defrauded your previous insurers.

How is being late notifying them of your reduced risk fraud?

If it's only 2 weeks just tidy up all the details when you renew.
You don't have to rush to notify every single organisation on the precise day.
You've just got married, had a honeymoon, moved to a new house.
There will be a hundred people to notify. Some you won't even remember until months later when you get letters forwarded.

InsideInsurance

Clifford_Pope wrote: »

How is being late notifying them of your reduced risk fraud?

Because they say they are not going to ever notify their existing insurers but only tell the new insurers. that isnt being "late" that is non-disclosure.

System

But non-disclosure has to be relevant to any claim in question.
Failure to disclose something that makes you a safer risk, and would reduce the premium, surely is not relevant?

InsideInsurance

Clifford_Pope wrote: »

But non-disclosure has to be relevant to any claim in question.
Failure to disclose something that makes you a safer risk, and would reduce the premium, surely is not relevant?

No, any intentional non-disclosure can invalidate insurance. If an accidental non-disclosure was relevant to a claim then it may be possible for an insurer to avoid the claim.

My experience is that marriage makes them a safer risk but not all insurers have the same experience.

We obviously dont know where the OP is moving from and to, could be their vehicle is currently in a private underground carpark in an great area and going to a slum with the car parked on the road a few blocks away from the house.

Prothet_of_Doom

Who now lives at the old address? When I got married, my wife's car continued to be insured at her mums, for about 4 weeks.

kazprincess

Hi, my car is registered at my parents house like so was everything else. We got married and I've moved in officially with the husband. I am now in process of changing everything over. I contacted my insurance and told them and they said they will put a note on the system that I've recently got married and in process of moving so when renewal happens, they will change my details over free of charge. I also anonymously emailed a few different insurance companies who said they would accept my NCB in my maiden name as long as I provided my wedding certificate so all looks good now. Thank you for all of your advice. Insurers (along with everyone else) are out to get every penny from you and are out to try to get out of paying for things- I just didn't want to give them £30 or whatever it was just to spend 2 minutes updating a computer. Just really annoys me!! Thanks for all your comments

kazprincess

Especially when my insurance ends in a week!