Tell your insurer when you move home. The new address, overnight parking, commute and mileage can change the premium or terms. Waiting until renewal may leave the policy details inaccurate.
Or your workplace changes as part of the move, check the class of use too if you now commute when you previously worked from home. A house move may make the journey to work longer or shorter.
If the car used to be parked in a garage but will now be on the street, or the reverse, tell the insurer.
The overnight parking answer needs to describe the new normal situation rather than the old address.
insurers use location as one of many pricing factors.
Claims experience, theft risk, traffic levels and other local information may differ between postcodes. Moving a short distance can so change the premium even though the car and driver are unchanged.
ask the insurer around the time the move takes effect and follow the policy's requirements.
Many insurers can make the amendment online or by telephone. Ask whether there is an administration fee or change in premium before the alteration is completed.
If other drivers on the policy also move, or if the car will normally be kept at a different address from the policyholder, explain the arrangement clearly.
Check the revised schedule afterwards to make sure the postcode and parking details are correct. Moving house is a straightforward policy change, but it is worth dealing with promptly because the address affects both how the insurance provider contacts you and how it assesses the risk.
If your annual mileage estimate changes significantly, update it.
Tell the insurer when your address changes, even if the car and drivers remain the same. The postcode, parking arrangements and local claims experience can affect the premium, so the insurer may recalculate the price for the rest of the policy term.
Give the date of the move and the new overnight parking details so the policy reflects where the car is actually kept.
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