Car ins renewal but moving house

Pots'o'dosh

car insurance renewal expires 23/2 but moving house three days later, which address should I use!

bengalknights

You should use the new address

BeenThroughItAll

You should use both, really. Unless you can be certain you won't be involved in an accident in that three day period.

Dclutterchique

Renew your insurance at your current address, and at the same time inform your insurer that you intend moving to your new address (giving new address) on the 26/2. On the 26th contact your insurer again and confirm that you definitely have/have not moved to the new address. This will mean your current address is up to day and should prevent any problems if the move falls through.

Quentin

bengalknights wrote: »

You should use the new address

No. You "should" use the true address that the car is kept at. (and subsequently inform your insurer of your change of address)


If you use the incorrect new address and there is an incident whilst you are at the "wrong" address then the insurer would have grounds for rejecting any claim and cancelling your policy.

Money_maker

Problem is that they are often inclined to charge an admin fee to change the address on paperwork.

Dclutterchique

Money_maker wrote: »

Problem is that they are often inclined to charge an admin fee to change the address on paperwork.

Still got to be cheaper than getting screwed over because one gave incorrect information in the first place!

luvchocolate

Sometimes you can change address online with no cost, however the insurance could be a very different amount for the new address.
I rang my insurer with new address and got a new quote 4 days before moving, then had to change address on the day of the move.

Quentin

Money_maker wrote: »

Problem is that they are often inclined to charge an admin fee to change the address on paperwork.

If they do, then you will have agreed to it!

The admin fee (if any) and possible premium rise are just 2 more items that should be added to all the other costs involved in moving!

Tyler119

After a large insurance test case, they could not reject an insurance claim based on an incorrect address. Well on the basis that the insurance premium would be the same at both addresses. In fact insurance claims can no longer be rejected based on incorrect information that have no relevance to the actual claim; providing the incorrect information was not given / updated to keep payments lower than they should be.

I asked the question myself to our insurance company as I forgot the change our address with them for 3 months. The guy on the phone said premium wouldn't be changing so made no real difference to them.

bengalknights

Tyler119 wrote: »

After a large insurance test case, they could not reject an insurance claim based on an incorrect address. Well on the basis that the insurance premium would be the same at both addresses. In fact insurance claims can no longer be rejected based on incorrect information that have no relevance to the actual claim; providing the incorrect information was not given / updated to keep payments lower than they should be.

I asked the question myself to our insurance company as I forgot the change our address with them for 3 months. The guy on the phone said premium wouldn't be changing so made no real difference to them.

This, since this court case insurers can't willy nilly reject claims based on your incorrect information unless it has a direct affect on the claim itself.