House Insurance

perkwins

I am moving house on the 11th September. My current house insurance expires on the 9th September leaving me without house insurance on my existing property for 2 days.

Does anyone know what I can do? My current providers will not provide additonal insurance for 2 days unless I re-sign for a 12 month contract.

I am currently arranging house insurance for the new property so it will be in place when we exchange contracts.

I know its only 2 days without insurance but you know 'sods law' and all that!

Does anyone have any ideas that coiuld help?

G_M

Find a new policy and buy it online.

If you make a claim within the 2 days it will be money well spent.

If not, cancel within the cooling off period. Check for any admin cancelation fees.

perkwins

Ok great sounds a sensible idea. I was thinking is this fairly common and when organising insurance for the new property would they cover my existing house for the couple of days?

Maybe I'm just over thinking it?

dacouch

perkwins wrote: »

Ok great sounds a sensible idea. I was thinking is this fairly common and when organising insurance for the new property would they cover my existing house for the couple of days?

Maybe I'm just over thinking it?

You're thinking it the wrong way around.

You should have arranged to add the NEW property to your existing property on your old insurance. Most decent Insurers will cover the new property from exchange for free or an admin fee. Then when you complete you simply transfer the policy over to cover the new property and delete the old property.

A much cleaner way of doing this and you benefit from both properties being covered, no gaps in the Domestic Legal Protection Cover and no gaps in any cover for your contents during the move

G_M

dacouch wrote: »

You're thinking it the wrong way around.

You should have arranged to add the NEW property to your existing property on your old insurance. Most decent Insurers will cover the new property from exchange for free or an admin fee. Then when you complete you simply transfer the policy over to cover the new property and delete the old property.

A much cleaner way of doing this and you benefit from both properties being covered, no gaps in the Domestic Legal Protection Cover and no gaps in any cover for your contents during the move

That is an option of course but it means you can't shop around for the insurance on the new property.

Insurer may have been best price/cover for the old house, but new postcode could make them more expensive than a different insurer.