Moving 2 weeks before insurance renewal

Herzlos

Are you renewing with the same insurer? If so I'd just phone and explain the situation and see what they offer.
If you're going to a different insurer then it'll be less hassle and potentially cheaper to just pay the change fee.

Does your insurer allow you to change details free online?

There may be a change in premium too, with the new address. But it'll be minimal

Bigwheels1111

Scot_39 said:

uberjason said:

Hello.

My car insurance renewal is 14th May. I am moving flat on the 3rd May. Because I want to avoid the £20 address change fee on my current policy, I was just going to get a new policy starting on the 3rd, 11 days early. 

My question is, am I claim my extra year NCD at this point given technically it won't have been given yet? I'm going to be a 2 years and it does make difference in price from 1 to 2.

Or am I missing something easy that solves my issue?

Appreciate any feedback!

As a general rule cannot have the same car covered by 2 insurance policies at the same time - technically not even for 1m - let alone 2 weeks.

One would have to be cancelled early - and then wouldn't accrue the 2nd year NCD on it.  That may actually have an early cancellation fee greater than the £20.

It's not even generally strictly acceptable on renewals day - if policy start times differ (their mainly standard, but years ago had a noon to midnight issue  - had to check which day to start new cover) - but many will allow on day - but only that day - or extend cover for extra few hours.

Ironically it was with 2 insurers under same parent ownership.

You don't have 2 years until the end of the 2 years.  You can renew on the presumption of keeping it until the anniversary date - but not on any date before.

You would be taking the new policy out at wrong address - even if just moving a few hundred yards, few streets away - that can change policy premium.  Insuring the vehicle at the wrong address would invalidate insurance policy - either the kept address / location / type of parking or home address.

And place you at risk being black listed - so never being insured again - for car, home - as arguably would be a form of insurance fraud.

You could try to give mismatched kept address and new address but suspect that would in fact be fraudulent declaration as above as don't actually live there - but even if could -  chances are that would command a greater premium too - and a potential reqoute/ premium change and policy change fee - after you move.

In other words- take the £20 hit - its the simplest and safest solution.

The full 2nd year ncd you would then actually attain, likely to save you far far more these days.

I had 2 insurance policies on my car for years.
Third party hire and reward for work, fully comp in case it got stolen from home.