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Car Insurance Question
Former Member
Posts: 1,876,323 The Mix Honorary Guru
Right, when you get car insurance, they ask you for your address and job and base your claim in part on those factors. Now if you take out the insurance, and either of these things change, do you have to inform the insurance company? Will they then charge you extra to upgrade it, or give you a refund to downgrade it (well I know that second one is a bit of a stupd question)? Or does it not matter until you have to renew the insurance? And the other thing they ask you is what you intend to use the car for. So if you tell them you're just using it to commute to and from work and for general use, and then you get a job that requires you to use your car as part of the job, would that affect your insurance at all? And if you have multiple jobs, do you just tell them your main one, or all of them?
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Comments
If you want to change your cover (i.e. from SDP to communting/business use) then this will affect your premium instantly.
Oh and what counts as business use? If you're working for expenses only (i.e. petrol money on an independent film) does that count? Or is that recreation?
Anytime you use your car as part of your job - and not just to a fro your main place of work) then it's business use. Not cheap I'm afraid (as I well know)... Not only will you do extra miles but you may be carrying something which could get stolen...
Besides, if you are moving to Manchester it will go up unless you are already in a high crime area...
My insurance company then gives you a pro rata refund/charge depending on whats changed, so when our licenses went to full from provisionals we got refunds.
If you don't tell them and you make a claim they can say your cover is invalid because it was based on incorrect information. The claim form has a whole pile of questions on it that basically double check that what you told them when they gave you the insurance still stands.
You should tell them all your changed as if you don't and claim you insurance could be void.