There are various factors that impact how much your motor insurance provider will charge you for your cover such as your age, driving experience, make and model of car, how many miles you drive every year and the level of cover required. Another thing that car insurance companies take into account is where you live in the UK.
So, why could where you reside make a difference to the premium you are charged by the insurer? Well, certain locations have a higher crime rate and others may have more road accidents taking place. It is factors like these that can have a bearing upon how much the insurer will charge you to insure your motor vehicle. The greater the risk of your car being damaged or stolen then the more likely your premium will rise.
Therefore, it is important that you provide accurate information about where you live to the insurance company when requesting a quote for car insurance i.e. you must be truthful in telling the insurer the address that you live at. If you do not then the insurance company could refuse to meet your claim should you be involved in a road traffic accident or have your car stolen.
Another thing worth bearing in mind is that if you move address then you need to inform the insurer that you have done so and let them know the address you have moved to. The insurer will then re-calculate how much your motor insurance is going to cost taking into account your new address. Another relevant factor is where you will be going to park your car overnight at your new property i.e. at your old property you may have left your car on the drive overnight but it may be that you do not have a drive or garage at your new home and, therefore, you may need to leave your car parked on the road overnight. This may impact on the premium you will be charged to insure your car. If you fail to tell the insurance company that you have moved and do not provide them with your new address then, if your car were stolen from outside your new property, the insurance company could refuse to meet your claim.
