Transferring Insurance From One Car To Another
Table of Contents
You can transfer your car insurance from one vehicle to another, but it’s not automatic. You’ll need to contact your insurer and request a mid-term adjustment to update your policy details. Most insurers allow this, but there may be an admin fee or change in premium depending on the new vehicle.
It’s a common process when you’re selling your car, upgrading, or getting a second-hand vehicle.
Key points
How to Transfer Your Insurance
Here’s how to move your cover to a new car:
- Contact your insurer – online, by phone, or via your account dashboard
- Provide details of the new vehicle – reg number, make/model, value, etc.
- Confirm the date of change – especially if you’re swapping on the same day
- Review any premium changes – some cars cost more or less to insure
- Pay any admin fees – typically £25–£50
Once updated, you’ll receive a new Certificate of Motor Insurance.
Need to check if switching insurers saves money instead? Compare car insurance quotes before making the change.
Will My Premium Go Up?
It depends on the risk profile of your new car. Factors that affect your premium:
- Car’s insurance group
- Engine size and performance
- Security features
- Value and age
- How you’ll use it (e.g. commuting or business use)
In some cases, your premium might go down, but you’ll still likely pay a small admin fee.
Can I Transfer No Claims Bonus to a New Car?
Yes, your no claims bonus (NCB) stays with you, not the car. So if you’re keeping the same policy, it carries over automatically when you switch vehicles.
If you’re taking out a new policy with a different insurer, you may need proof of your NCB.
What If I’m Buying a Second Car?
If you plan to keep both cars:
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You’ll need a separate policy for each vehicle
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Or, you can look into multi-car insurance, which could save you money
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Some insurers allow a temporary second car on your policy for a few days, handy for overlap periods
Can I transfer my insurance immediately?
Yes. Many insurers can make same-day changes, ideal if you’re driving away a new car.
What if the insurer won’t cover my new car?
You’ll need to cancel the policy and find a new provider. Cancellation fees may apply.
Can I drive the new car before updating my insurance?
No, you must notify your insurer before driving the new car, or you may be uninsured.
Is it cheaper to transfer than start a new policy?
Often, yes. But it’s worth checking both options, comparing quotes could still beat your current renewal price.
In Summary
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You can transfer your car insurance to a new vehicle with a mid-term adjustment
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Admin fees usually apply, and your premium may go up or down depending on the car
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Your no claims bonus follows you, not the car
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Always inform your insurer before driving the new car
Bought A New Car? Compare Car Insurance Quotes
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