Car Insurance- change of address(es)
Discussion
Have just sold my house on Thursday so I've moved in to my other half's rented flat for the next 4 weeks before we then move into our new house.
Would I be as well waiting to update the car insurance details once we're in the new place or should I really update them now even though I'm only here for 4 weeks? Wary of being hit with stupid admin fees having to change the address twice on 2 separate policies in the space of a month.
Would I be as well waiting to update the car insurance details once we're in the new place or should I really update them now even though I'm only here for 4 weeks? Wary of being hit with stupid admin fees having to change the address twice on 2 separate policies in the space of a month.
It's understandable what you're asking, ignore the holier-than-thou brigade. In the past I've had two addresses and I just insured it where I expected to spend most of my time, same with everything else that requires a contact address. If you don't declare it and have an incident in these few weeks, it could prove tricky when making a claim. Will you update the address on your licence twice?
DaveE87 said:
It's understandable what you're asking, ignore the holier-than-thou brigade. In the past I've had two addresses and I just insured it where I expected to spend most of my time, same with everything else that requires a contact address. If you don't declare it and have an incident in these few weeks, it could prove tricky when making a claim. Will you update the address on your licence twice?
What holier than thou brigade??? Op just needs to ask ins co end of story, then he will have the answer from the horses mouth rather than relying on someone's best guess on an internet forum martinbiz said:
What holier than thou brigade??? Op just needs to ask ins co end of story, then he will have the answer from the horses mouth rather than relying on someone's best guess on an internet forum
I'm sure he's already thought about your initial reply so you were hardly being helpful, perhaps condescending. Threads like these sometimes go down that route, but I didn't expect you to take my comment personally. Sorry to perturb you.If he doesn't disclose a temporary address it would likely be thought of as innocent non-disclosure. It's not a big issue.
martinbiz said:
What holier than thou brigade??? Op just needs to ask ins co end of story, then he will have the answer from the horses mouth rather than relying on someone's best guess on an internet forum
Because asking your insurer will give the the answer that is best for the insurer, not necessarily what is best for you.e-honda said:
Because asking your insurer will give the the answer that is best for the insurer, not necessarily what is best for you.
Don't talk utter rubbish, so the car gets stolen while at their temporary address, that could find them in a sticky position, then what, start lying to them?It always amazes me the amount of people who come on here with the view that an ins co's main aim in life is to shaft all their customers. Just tell them the facts, the OP may well find that they will have no issue with him living somewhere else for a few weeks, especially if it is in the same area and just needs to let them know the new details when he has moved permanently
martinbiz said:
Don't talk utter rubbish, so the car gets stolen while at their temporary address, that could find them in a sticky position, then what, start lying to them?
It always amazes me the amount of people who come on here with the view that an ins co's main aim in life is to shaft all their customers. Just tell them the facts, the OP may well find that they will have no issue with him living somewhere else for a few weeks, especially if it is in the same area and just needs to let them know the new details when he has moved permanently
Different insurers have different rules. The guy wanted some advice. No need for the attitude.It always amazes me the amount of people who come on here with the view that an ins co's main aim in life is to shaft all their customers. Just tell them the facts, the OP may well find that they will have no issue with him living somewhere else for a few weeks, especially if it is in the same area and just needs to let them know the new details when he has moved permanently
That reply actually made me laugh out loud! martinbiz said:
e-honda said:
Because asking your insurer will give the the answer that is best for the insurer, not necessarily what is best for you.
Don't talk utter rubbish, so the car gets stolen while at their temporary address, that could find them in a sticky position, then what, start lying to them?It always amazes me the amount of people who come on here with the view that an ins co's main aim in life is to shaft all their customers. Just tell them the facts, the OP may well find that they will have no issue with him living somewhere else for a few weeks, especially if it is in the same area and just needs to let them know the new details when he has moved permanently
I suggest the insurer might put your best interests ahead of thier own, and you say I am talking utter rubbish accuse me of lying to the insurers.
If you phone your insurers they will most likely charge you an admin fee, reprice your premium higher, then do exactly the same in 4 weeks time, and insist it be done this way, so will likely cost you £100 or so.
There is absolutely nothing wrong with trying to inform yourself of all the other possibilities.
If someone were to come along and point to a credible source which says you don't need to inform them if it is less than 30 days or 90 days or what ever you might be quite annoyed with yourself that the first thing you did was call the insurer.
e-honda said:
This is exactly why you are the holier than thou brigade.
I suggest the insurer might put your best interests ahead of thier own, and you say I am talking utter rubbish accuse me of lying to the insurers.
If you phone your insurers they will most likely charge you an admin fee, reprice your premium higher, then do exactly the same in 4 weeks time, and insist it be done this way, so will likely cost you £100 or so.
There is absolutely nothing wrong with trying to inform yourself of all the other possibilities.
If someone were to come along and point to a credible source which says you don't need to inform them if it is less than 30 days or 90 days or what ever you might be quite annoyed with yourself that the first thing you did was call the insurer.
Utter tripeI suggest the insurer might put your best interests ahead of thier own, and you say I am talking utter rubbish accuse me of lying to the insurers.
If you phone your insurers they will most likely charge you an admin fee, reprice your premium higher, then do exactly the same in 4 weeks time, and insist it be done this way, so will likely cost you £100 or so.
There is absolutely nothing wrong with trying to inform yourself of all the other possibilities.
If someone were to come along and point to a credible source which says you don't need to inform them if it is less than 30 days or 90 days or what ever you might be quite annoyed with yourself that the first thing you did was call the insurer.
I moved house twice during lockdown, from a nice area to a really s
t area where I was lucky to park even in the same street where I was renting a room, then to a different nice area.
On each change I phoned them (every little helps) and they said "no change to your payments, and no admin fee".
t area where I was lucky to park even in the same street where I was renting a room, then to a different nice area.On each change I phoned them (every little helps) and they said "no change to your payments, and no admin fee".
DaveE87 said:
Different insurers have different rules. The guy wanted some advice. No need for the attitude.
I’d imagine there’s not a single insurer out there who would say ‘nah just leave it as it and update it in 4 weeks’….The correct ‘by the book’ answer is to call them and declare the change. Best case - they’ll change it for free. Medium worst case is an admin fee. Absolute worst case is you’ve moved from ‘secured in a garage in a house in a low risk area’ to ‘kept on street in a high risk area’ and it puts your premium up…. Unlikely to be by a huge amount over the course of 4 weeks, but keeps it all above board in the event of something happening over the 4 weeks.
Edited by ESD1711 on Saturday 13th November 19:36
ESD1711 said:
I’d imagine there’s not a single insurer out there who would say ‘nah just leave it as it and update it in 4 weeks’….
The correct ‘by the book’ answer is to call them and declare the change. Best case - they’ll change it for free. Medium worst case is an admin fee. Absolute worst case is you’ve moved from ‘secured in a garage in a house in a low risk area’ to ‘kept on street in a high risk area’ and it puts your premium up…. Unlikely to be by a huge amount over the course of 4 weeks, but keeps it all above board in the event of something happening over the 4 weeks.
Not a single one eh? You've obviously never worked for a broker or an insurer / underwriter. All it takes is an ok from an underwriter to simply note it on file.The correct ‘by the book’ answer is to call them and declare the change. Best case - they’ll change it for free. Medium worst case is an admin fee. Absolute worst case is you’ve moved from ‘secured in a garage in a house in a low risk area’ to ‘kept on street in a high risk area’ and it puts your premium up…. Unlikely to be by a huge amount over the course of 4 weeks, but keeps it all above board in the event of something happening over the 4 weeks.
Edited by ESD1711 on Saturday 13th November 19:36
I won't waste my time with scenarios where this might happen.
For me, it would depend on the circumstances. If I lived in the Scottish Highlands, and was moving for 4 weeks in with friends in Central London before moving back to the Highlands, I'd tell them. The theft of the car or an accident in Central London when you're paying ultra low Highlands premiums is bound to raise questions from the insurers. And if they found out you were living in London for a month as opposed to just visiting London for a holiday, it might be a big issue.
But if my temp address was also in the Scottish Highlands, then no, I wouldn't tell them. I'd wait until I'd moved into my new permanent address, and tell them of one change. Any theft or accident whilst in the temp address (which is in a similar area) wouldn't never be an issue.
But if my temp address was also in the Scottish Highlands, then no, I wouldn't tell them. I'd wait until I'd moved into my new permanent address, and tell them of one change. Any theft or accident whilst in the temp address (which is in a similar area) wouldn't never be an issue.
DaveE87 said:
It's understandable what you're asking, ignore the holier-than-thou brigade. In the past I've had two addresses and I just insured it where I expected to spend most of my time, same with everything else that requires a contact address. If you don't declare it and have an incident in these few weeks, it could prove tricky when making a claim. Will you update the address on your licence twice?
Cheers. Strikes me as a proper f
k about to also inform DVLA to change licence, V5C for cars x 2 and direct debit when I'll need to do the same in 4 weeks, will probably barely get processed by then.I'll maybe better phone Aviva though and see what they say, even if it is a f
k about. Got one car at my mum's as there's no room for both at the other half's.Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff