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  • FIRST POST
    • Iceblade
    • By Iceblade 12th Jul 18, 1:16 PM
    • 4Posts
    • 0Thanks
    Iceblade
    Change of Address and Car Insurance
    • #1
    • 12th Jul 18, 1:16 PM
    Change of Address and Car Insurance 12th Jul 18 at 1:16 PM
    I took out car insurance in June, when my previous policy expired, using the MSE links to the comparison sites etc and paid 523.

    I moved house this weekend and, therefore, called the insurance company (One Call) to confirm change of address on the policy. They claim that my current policy won't change to my new address and the best available quote is from Aviva at over 2,000!

    I then used the MSE comparison sites to quote a new policy, the cheapest of which is Hastings at 848 if i take the black box - I have been driving for 20 years and have no adverse motoring history.

    I am shocked and amazed that by moving house (and only moving three streets down from my previous property) has added 300+ to my car insurance policy. This is CRAZY!! Maybe this is something you should check before moving house - ask your insurance company how the potential new address will affect your policy before moving.

    To top it off, I wanted to purchase a new car insurance policy with LV but because my new address hasn't changed with my bank accounts yet, I can't pay because the billing address has to match the policy address.

    Very frustrated and annoying.
Page 1
    • Quentin
    • By Quentin 12th Jul 18, 2:07 PM
    • 37,320 Posts
    • 21,508 Thanks
    Quentin
    • #2
    • 12th Jul 18, 2:07 PM
    • #2
    • 12th Jul 18, 2:07 PM
    !) Notifying your BAnk of your new address is surely not too onerous you can't do it now??


    2) You are annoyed with the insurers who don't "like" your new address.


    But who is the one wanting to change the goalposts from what you were originally quoted for??


    See if a local broker (not Swinton) can help - they may know the issue you have found with your post code and have found a sympathetic company
    • foxy-stoat
    • By foxy-stoat 12th Jul 18, 3:11 PM
    • 2,677 Posts
    • 1,538 Thanks
    foxy-stoat
    • #3
    • 12th Jul 18, 3:11 PM
    • #3
    • 12th Jul 18, 3:11 PM
    What postcode is it and have you gone from keeping the car overnight in a garage to street parking?

    You can always cancel the policy and take out a new one.
    • Quentin
    • By Quentin 12th Jul 18, 8:26 PM
    • 37,320 Posts
    • 21,508 Thanks
    Quentin
    • #4
    • 12th Jul 18, 8:26 PM
    • #4
    • 12th Jul 18, 8:26 PM
    ........ have you gone from keeping the car overnight in a garage to street parking?.
    Originally posted by foxy-stoat
    That scenario usually reduces premiums rather than increase them
    • Car 54
    • By Car 54 12th Jul 18, 11:10 PM
    • 3,308 Posts
    • 2,054 Thanks
    Car 54
    • #5
    • 12th Jul 18, 11:10 PM
    • #5
    • 12th Jul 18, 11:10 PM
    I've moved house many times. Changing my address at the bank these days takes about a minute, either online or on the phone.
    • paddyandstumpy
    • By paddyandstumpy 13th Jul 18, 8:30 AM
    • 1,147 Posts
    • 634 Thanks
    paddyandstumpy
    • #6
    • 13th Jul 18, 8:30 AM
    • #6
    • 13th Jul 18, 8:30 AM
    ... have you gone from keeping the car overnight in a garage to street parking?
    Originally posted by foxy-stoat
    That scenario usually reduces premiums rather than increase them
    Originally posted by Quentin
    Does it...?!
    • facade
    • By facade 13th Jul 18, 8:40 AM
    • 3,451 Posts
    • 1,811 Thanks
    facade
    • #7
    • 13th Jul 18, 8:40 AM
    • #7
    • 13th Jul 18, 8:40 AM
    Does it...?!
    Originally posted by paddyandstumpy

    Sometimes.


    You'd think it would put the policy up as someone can drive into it on the street, but it is mainly to do with theft- theft by stealing the keys is easier if the car is on the drive outside the owner's house, and a garage lets them work undisturbed.




    I'm expecting a massive rise in my insurance next year, the mid-life crisis people in my street keep buying boy racer Fords and VWs that get stolen off their drives, and all the work vans parked on the pavement get broken into virtually every night. My postcode has gone from "low crime" to "gone in 60 seconds" in a few months
    I want to go back to The Olden Days, when every single thing that I can think of was better.....

    (except air quality and Medical Science )
    • LeeUK
    • By LeeUK 13th Jul 18, 12:02 PM
    • 6,035 Posts
    • 2,744 Thanks
    LeeUK
    • #8
    • 13th Jul 18, 12:02 PM
    • #8
    • 13th Jul 18, 12:02 PM
    Who are One Call? That's an insurance company I never heard of.

    These unknown bottom feeding insurance companies that no one has ever heard of always appear at the top of compare websites. Yet if you ever need to make a change to the policy they will bend you over.

    When I get quotes I always take the offer from a known company, not the one at the top of the list.
    • dacouch
    • By dacouch 13th Jul 18, 8:55 PM
    • 20,581 Posts
    • 12,755 Thanks
    dacouch
    • #9
    • 13th Jul 18, 8:55 PM
    • #9
    • 13th Jul 18, 8:55 PM
    Who are One Call? That's an insurance company I never heard of.

    These unknown bottom feeding insurance companies that no one has ever heard of always appear at the top of compare websites. Yet if you ever need to make a change to the policy they will bend you over.

    When I get quotes I always take the offer from a known company, not the one at the top of the list.
    Originally posted by LeeUK
    Online / phone Insurance agent
    • Iceblade
    • By Iceblade 25th Jul 18, 11:13 AM
    • 4 Posts
    • 0 Thanks
    Iceblade
    Thank you for your comments.

    The at-home parking has changed from street parking to driveway.

    I cannot change my address online with my bank - its either in-branch or a form in the post.

    The good news is that I tried a local broker who found me a policy with Zurich for 750, so cheaper than the MSE comparison sites and no black box.

    When I rung One Call back to confirm I have found a cheaper plan elsewhere that they couldn't match, they closed my current policy and charged me 55.99 for the privilege. However, when I complained about this charge, since it was One Call who couldn't provide a reasonable alternative, they kindly refunded this charge so hurrah for One Call Complaints Department.

    Moral of the story - I have learnt that I will check how an address will affect my car insurance before I move house!
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