Car insurance renewal and moving house coinciding

steakmehometonight

Hello

I just got my renewal letter through from Admiral. Safe to say I will not be autorenewing and will be following MSE’s guide as much as possible.

My only issue is that we move house on Nov 30th with the new policy starting on 7th Dec. Should I apply for the insurance with my current address and hope premium doesn’t increase or with new address? My big concern is do I have any issues as I won’t be on the electoral roll at my new house yet?

Zorillo

You need to use your new address and you can't do anything about it if it causes your premium to increase as a result of the move. Shop around.

anniecave

You could use dummy details on a price comparison site to get an idea of prices at both the old and new address.

You may have to pay an amendment fee for the change for the last few days of your old policy.

You can get quotes in advance, and not actually take the new policy out until you actually move if you want - that's what I would do unless you can find an online provider (with cancellation rights if that might be an issue) which doesn't send documents to the physical address.

Being on the electoral roll is not a problem, you cannot be expected to be on the electoral roll at an address you haven't yet moved to.

I had a similar but opposite problem - my renewal date was the week before I moved house, so I just ended up taking out a new policy knowing that I would have to do an amendment on it, but via dummy quotes I factored in the most competitive provider based on my likely new address.

steakmehometonight

anniecave wrote: »

You could use dummy details on a price comparison site to get an idea of prices at both the old and new address.

You may have to pay an amendment fee for the change for the last few days of your old policy.

You can get quotes in advance, and not actually take the new policy out until you actually move if you want - that's what I would do unless you can find an online provider (with cancellation rights if that might be an issue) which doesn't send documents to the physical address.

Being on the electoral roll is not a problem, you cannot be expected to be on the electoral roll at an address you haven't yet moved to.

I had a similar but opposite problem - my renewal date was the week before I moved house, so I just ended up taking out a new policy knowing that I would have to do an amendment on it, but via dummy quotes I factored in the most competitive provider based on my likely new address.

Thanks. Yes this looks like the best plan for me moving forward. We're moving from a flat to a house with our own parking so hopefully it should factor favourably.