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Skidd

Insurance - change of address

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What would you expect to be the outcome;

Move house 2 weeks ago, don't update insurance policy to reflect move.

Car is parked on street overnight, and is hit by someone not paying due care and attention. 99.9% certain car will be a write-off. Third-party completely at fault, and will take liability.

Update policy to reflect move next day, and then report the incident.

Will I see a penny?

(Wasn't the Pork BTW).

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As long as it's not going to cost your insurance company then you should be fine.

If you'd been at fault then it might have been a different scenario.

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you certainly need to be careful with it...bottom line is the risk address has changed so you should have told them (which you are clearly aware of and innocently forgot to do so ;) ), it may have resulted in a change to premium (either way)...fact that they wont be paying out doesn't change that....

That said, surely worse case is it would just invalidate your policy and mean you would have to pursue the claim against the third party yourself...it doesnt change who was at fault and the liability of the damage being theirs...

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Have you read your Terms and Conditions? There is probably something in there that says you have to notify of changes "as soon as possible". Two weeks after a house move doesn't sound fatal (you could be still trying to get gas connected in some parts of the country, or perhaps the removal co dropped a family heirloom or lost a valuable box...) - whereas four months would be abusing it.

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Thanks guys - interesting point Stu. I'll look at that route, if we have difficulties with the insurance co. On that, is it normal to persue uninsured lossed (car hire, excess etc) through legal channels, in addition to the insurance claim?

In the mean time - I'll update the insurance details for the Box :thumbsup_still:.

It was my wife's car that was hit. Driver had been drinking (but blew under), and admitted to 2xPCs to searching for a phone when the accident happened :axehead:.

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Send them a *separate* letter informing them of your change of address.

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you mean a copy of a letter you sent them 2 weeks earlier and have not yet had a response too?

you may want to be careful using the same tactic with two separate insurance companies as if they talk to each other, well you could probably guess the outcome...

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