Waiting to move house - insurance needs renewing

dave88uk

Hi all!

I spent half the day yesterday looking for short-term home insurance policies.

We are due to move at the end of April, our home insurance expires on the 27th of March.

I've rang my provider, they will not do a short term policy.

I've looked at the T&C's of other providers and basically the policy is a 12 month contract, so if I cancel after a month I'll be hit with charges.

There are short term options out there but they are for unoccupied properties, we're still living here. I'm sure there must be something available for people in my position, or have I just found a gap in the market?!

The other option is to repeatedly take out policies and cancel within the 14 day cool-off, I just feel that this is a bit laborious and might get me on an insurance 'blacklist'.

Can anyone help?

AdrianC

Just take out a new policy based on a combo of premium and cancellation fees. When you view that £20 or whatever compared to all the other costs of moving house, it's damn near irrelevant.

Or wing it for a month. Your call.

Fluff15

Would you not be able to change property address on your current provider? Presumably you'll know where you're moving to, so you should be able to provide them with the new address so you know how much more/less it will then cost you?

Rambosmum

Do a quote for both properties and go with the provider who gives the best quote for both properties (e.g quote for property a + quote for property b) taking in to account admin fees for changing details. Then change details (value and address) when you move.

stator

There are some policies with no cancellation fee, I'd go with one of them.