You’ll also need to update the DVLA when you change address (or you could get a £1,000 fine). Just like your name, the address on your driving licence needs to be the same as the address on your car insurance policy.
Is it illegal to insure a car at a different address UK?
No. You don’t need to change your car insurance policy if you move house, but you might find that your current provider can’t offer you the same policy at your new address. If that’s the case, you can compare car insurance with Compare the Market.
What happens if you put a different address on your car insurance?
“Failing to notify your insurer of changes to circumstances, including address, could actually result in you being refused when claiming on your insurance. This is due to car insurance premiums fluctuating depending on area,” Matt Oliver, a spokesperson for a leading car insurance comparison site said.
Does Wrong address invalidate car insurance?
If the wrong address was purposely provided on the policy application in an attempt to reduce the premium, this could be considered material misrepresentation. When it happens, it is grounds for policy cancellation or denial of coverage in the event of a loss.
Does your car insurance address have to match your registration UK? – Related Questions
Do car insurance companies check your address?
The insurance company wants to know where you live, what car you drive and all about your driving history.
What happens if I don’t change my address on my car insurance UK?
You need to notify the DVLA if you change your address. If you don’t you may end up with a hefty £1,000 fine. If your car is kept at this new location then you also need to change your address in your V5C logbook.
Why does location matter for car insurance?
Generally speaking, insurance companies calculate your likelihood of an auto accident based on the county or state in which you live, and calculate your risk of vehicle theft or vandalism based on the city or neighborhood in which you live.
Do I need to tell my car insurance if I move house?
Will moving home affect my car insurance? Yes. As soon as you move house (or know your new address details and moving date) you should inform your insurance provider so they can update your details.
Is it illegal not to inform DVLA of change of address?
You are required to update your address if you have moved permanently. Drivers are required by law to let the DVLA know if they change their name or address. If a driver fails to notify the DVLA of changes they could face a fine of up to £1000.
Do insurance companies charge to change address?
Although updating your details won’t always affect the price of your car insurance policy, your insurer might charge you an admin fee to make the changes. These fees vary significantly between insurers, but you can find all the admin costs your insurer will charge you in the terms and conditions of your policy.
Is my car insurance void if I forgot to change my address?
Moving house
Don’t add to it by failing to notify your insurance company of your change of address, leaving yourself with an invalid policy. Insurers take your postcode into account when setting your car insurance premium, as certain areas are deemed riskier than others.
Do insurance companies check with DVLA?
Can insurers check for driving convictions? Yes, but only with your permission. If you enter your driving licence details on an insurance application, the insurer can quickly get the most up-to-date information from the DVLA database. This shows them all details of motoring convictions or endorsements on your licence.
Can I change my car insurance details online?
You normally just call your insurer to amend your policy. Or, if they have an online customer portal, you may be able to make changes online. Either way, you’ll need to have a few details to hand, such as your policy number, your vehicle’s registration number, and the make, model, engine size and value of the vehicle.
Can I drive a new car home on my old insurance?
You can’t drive a new car home without insuring it first. This is why it’s so important that you arrange insurance before going to collect it. When you take insurance out on a vehicle, you’re not insuring the vehicle but insuring yourself.
How do I change my insurance details?
How to exchange motoring details after an accident
- Share your name and address with everyone involved if the accident caused damage or injury – the law says you must do this.
- Swap insurance information and details with the other driver(s).
- Take down details of any other passengers and witnesses to the accident.
Does the main driver have to be the registered keeper?
Every car insurance policy has a “main driver”. By law, this has to be the person who drives the vehicle the most often. The main driver doesn’t necessarily have to be the owner or the registered keeper of the car. Other drivers can be added as “named drivers” on the same policy.
Can the owner and registered keeper of a car be different?
A car’s owner and registered keeper are often assumed to be the same thing, because they are usually the same person, but in fact they can be different people. The owner is the person who bought the car or the person who has been gifted the vehicle. The registered keeper is the main user of the car.
Does the registered keeper have to insure the car UK?
Technically, the registered keeper of a car doesn’t need to be the insurance policy holder for that car. But some insurers won’t let you be the policy holder unless you’re the registered keeper.
Can I insure a car but not be the main driver?
It depends. Some insurance providers will only insure you as the main driver if you’re the car’s owner or registered keeper. If you’re having trouble getting cover from one insurance provider, it’s worth contacting others for a quote.
Can a car be registered and insured in different names UK?
Yes, you can take out an insurance policy on a car that’s already insured by someone else. In the UK, this type of cover is known as non-owner car insurance. However, where possible, it’s usually cheaper to add yourself to the car owner’s existing policy as a named driver, as insurers can offer a discount for this.