Car insurance but I’m moving house in 2 months

purple87653

I’m moving in 2 months - how do I find what insurers will charge at the new address? 

I just bought my first car at 32 (having passed my test in 2006) so with no no claims and parents having lost all record of how many years I was a named driver, it’s a pretty expensive policy for a 7 year Yaris. It arrives Tuesday.

I’ve got quotes from £450+ and like the t&cs of aviva at £516... but when I checked with my new address it didn’t even come up as an option under £1000. In fact cheapest is £850 for the new address.

I’m moving from an apartment block with locked compound to a semi detached house with a garage, probably in a higher crime area although they are likely similar. 

Where the other quotes so high because I’m not registered to vote at the new address yet or am I just moving to £400 extra crime a year? Is there any way I can find out what I’m letting myself in for? I sent an email to the help team but no where is taking calls. Is it better to get temporary insurance and then annual when I move? (But council will probably delay registering to vote process so might not be cheaper.)

Help!

Penelopa.Pitstop

What I did in similar situation, I checked quotes for both addresses and went with the company that was cheaper at my future address. I checked it with them on the phone as well, before buying. Admiral and Aviva quoted similar amounts at current address, but new address costed only £24 more with Admiral and £300 more with Aviva.

When doing quotes or checking with companies, check what is cheaper: garage or driveway parking. People used to say that garage parking is more expensive, but in my case it was £90 cheaper.

All above amounts are quote annually.

davidmcn

purple87653 said:

Where the other quotes so high because I’m not registered to vote at the new address yet or am I just moving to £400 extra crime a year?

It'll be the latter (or perhaps just a higher claims history for the locals, whether or not crime is involved). The insurers don't care whether you're registered to vote.

csgohan4

careful with changing addresses on comparison website, you may fall foul of quote manipulation algorithms and end up with no quotes or even higher. Always use dummy info and never real info and use a VPN too

Sandtree

Penelopa.Pitstop said:

Admiral and Aviva quoted similar amounts at current address, but new address costed only £24 more with Admiral and £300 more with Aviva.

This is fine when you are talking about direct insurers like these two brands but unfortunately the majority of people have no idea who, or what, they are buying from. There have been many previous cases on here where people have done similar to you but with RAC Insurance or such not realising that they are a white label of Budget insurance brokers and that the two pre-purchase quotes were actually from two different insurers and when the change of address came to happen the price change was much larger because you are not only tied into the broker but also the insurer.