Insurance: The Case of the move

You move and get settled in another city, another region. Leave his home has had a series of administrative steps required to inform, among others, social services and tax, the Post Office, telephone services and the various energy providers (water, electricity and gas). As a tenant, you have obviously taken out home insurance that covers you for damage caused to homes and provides liability coverage for yourself and your family. By changing their place of residence, your home insurance can it be transferred to guarantee new home?
The insured must inform the insurer of any change in his life that would change the terms of coverage by different contracts. The insurer must be informed by registered letter with acknowledgment of change of address, moving date and new location. If the new housing has the same characteristics as the former, the insurer will transfer the warranties on new home. If housing is greater if you leave a house with garden for an apartment or conversely, if you invest simultaneously in equipment or furniture that enhance the comfort of the new housing, you must inform your insurer decides to an extension of guarantees and a change in premiums if applicable. It is therefore your responsibility to contact your insurer to enable it to adjust to new conditions and contract guarantee optimal coverage in case of disaster. If there is change in the risk covered and thus the premium because of the move, you can cancel your current contract without waiting for maturity.
Home insurance is not the only contract that a change of address can change. Contract your car is directly related to the region where you reside. A change of domicile must necessarily be reported to your insurer, because the premium is calculated based on assessed risks in the area. If you leave the countryside to live in town, your auto insurance premium will be amended to increase the probability of loss is higher in urban areas. The procedure is the same whether you own a motorbike.
Moving is also an opportunity to sort through your insurance. Since the change of domicile modifies the risk of the vehicle and housing, you may terminate your contract within 3 months later after your move. The cancellation will take effect one month after notification to the insurer (after signing the receipt), and you will be refunded the premium collected too. Do not forget to sign another contract with an insurer about your new home before entering the premises, not to find yourself without coverage between the termination date and the date of purchase. Similarly, regardless of your home, you can ride without being insured. You can also choose to compete your insurer will make an effort on premiums if you want to keep among its customers.