How to update your car insurance when you move house
Your car insurance premium is partly based on where you live — your postcode affects the risk profile. If you move and don't tell your insurer, your policy could be invalid. That means if you have an accident, they can refuse to pay out.
Why is this so important?
Insurers calculate your premium based on your address — things like local crime rates, accident statistics, and flood risk. If your address is wrong, your policy is based on incorrect information. In the worst case, your insurer can void your policy entirely, leaving you uninsured and liable.
Will my premium change?
Possibly. Moving to a lower-risk area could reduce your premium. Moving to a higher-risk area could increase it. Your insurer will recalculate and let you know. Some charge an admin fee for mid-policy changes.
How to update it
Call your insurer or update through their app or website. You'll need your policy number and new address. Most process the change immediately. If your premium changes, they'll adjust your payments.
What about where you park?
If your parking situation has changed (e.g. from a driveway to street parking, or vice versa), tell your insurer. Where you park overnight is a factor in your premium.
Common questions
- Can my insurer cancel my policy if I don't update my address?
- They can void it, which is worse — it means the policy is treated as if it never existed. Any claims would be rejected.
- Do I need to update immediately?
- As soon as possible. Most insurers expect you to notify them within a reasonable time — ideally within a few days of moving.
- Should I switch insurer when I move?
- It's worth comparing, especially if your premium increases. But check for early cancellation fees on your current policy first.
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