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Trying to Move House/Flat

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LindsD
LindsD
Dec 2024
3:21pm, 6 Dec 2024
71,412 posts
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LindsD
Does anyone have any experience or tips for getting house insurance to cover the period between exchange and completion? I can't find anywhere that offers this and getting a quote online doesn't cover this eventuality. I think last time (20 years ago) we just took the insurance suggested by the mortgage company but this time it's not a requirement.
Fields
Fields
Dec 2024
3:31pm, 6 Dec 2024
11,888 posts
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Fields
Call an insurance provider. I got mine through Aviva and they were able to sort it easily and fairly quickly
LindsD
LindsD
Dec 2024
3:54pm, 6 Dec 2024
71,415 posts
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LindsD
Thanks. That was going to be my next call, but I guess that way you don't get to shop around unless you're prepared to call several providers.
LindsD
LindsD
Dec 2024
3:54pm, 6 Dec 2024
71,416 posts
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LindsD
Did you get insurance for just that period or did it then convert to normal insurance when you moved in?
GimmeMincepies
GimmeMincepies
Dec 2024
4:02pm, 6 Dec 2024
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GimmeMincepies
IIRC, we got in touch with our current insurers and they set up a new policy that covered the property between exchange and us moving in - we gave them a moving date and they asked that we contact them if that date changed. It was arranged that the policy changed on that date to insure us from moving in. If that makes sense...
GimmeMincepies
GimmeMincepies
Dec 2024
4:03pm, 6 Dec 2024
28,014 posts
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GimmeMincepies
I can't remember if I had to phone them once we'd got a time to collect the keys to activate the switch.
LindsD
LindsD
Dec 2024
4:22pm, 6 Dec 2024
71,417 posts
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LindsD
Thanks. We are currently in rented so don't have buildings, only contents, which actually runs out anyway at the end of the year.
Fields
Fields
Dec 2024
4:24pm, 6 Dec 2024
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Fields
LindsD wrote:Did you get insurance for just that period or did it then convert to normal insurance when you moved in?


I converted mine to a full policy effective for completion day. For various reasons Aviva could give me a good price and I was already an existing customer so it was fairly straightforward. I didn’t shop around that year.
LindsD
LindsD
Dec 2024
4:25pm, 6 Dec 2024
71,419 posts
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LindsD
Thanks. We have other insurance through Aviva, so perhaps that's a good bet. I'm currently on hold to Direct Line (25 mins...)
LindsD
LindsD
Dec 2024
4:53pm, 6 Dec 2024
71,420 posts
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LindsD
A super helpful woman has just quoted me 3x what we used to pay in the old house. FFS. I don't even know why.

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