Yes. You should inform your car insurer or takaful operator as soon as you move to a new address. Your address is part of your policy information, and keeping it updated helps ensure that you receive important notices, policy documents and renewal reminders.
You should also tell your provider where your car is usually kept if that changes. Your new location may be relevant to how your vehicle’s risk is assessed, depending on the insurer’s underwriting requirements.
Why Should You Update Your Address?
Your insurer uses the contact details in its records to communicate with you about your policy. If your address is outdated, you may miss important letters or documents.
For example, AmAssurance’s motor policy wording requires policyholders to inform the company immediately in writing when their contact details, including their mailing address, change.
Keeping your details updated helps you:
Receive policy documents and official correspondence.
Get renewal notices and payment reminders.
Receive updates about claims or policy changes.
Avoid delays when your insurer needs to contact you.
Does Changing Your Address Affect Your Car Insurance Price?
It may, but not every address change will affect your price.
Your insurer may consider where your car is usually kept when assessing the risk. For example, moving from a residential area to a location with different traffic, theft or parking risks could affect the insurer’s assessment.
However, the impact depends on the insurer’s underwriting rules and the details of your policy. Your price will not necessarily increase just because you move to a different house or postcode.
If the change affects your policy terms or price, ask your insurer to explain the adjustment before accepting it.
What If I Only Change My Mailing Address?
You should still update your insurer, even if your car remains at the same location.
There is a difference between:
Address type
What it means
Mailing address
Where your insurer sends letters and policy documents
Vehicle’s usual location
Where your car is normally parked or kept
Both details may be relevant to your policy. Make sure your insurer knows which information has changed so it can update the correct records.
How Do I Update My Address With My Insurer?
The process depends on your insurer or takaful operator. In general, you can follow these steps:
Contact your insurer: Use its official customer service hotline, email, website or branch.
Request an address update: Ask whether you need to complete a policy change or personal details form.
Provide your details: Prepare your policy or certificate number, vehicle registration number and new address.
Submit supporting documents: Provide any documents requested by your insurer.
Check the updated records: Ask for confirmation that your new address has been recorded correctly.
Some insurers provide specific forms for these requests. For example, MSIG’s Motor Request for Change Form includes a section for changing the policyholder’s address.
If you purchased your policy through BJAK, you can also contact BJAK for administrative assistance. However, the insurer or takaful operator remains responsible for your policy records and any changes to your coverage.
What Happens If I Do Not Update My Address?
Not updating your address can cause communication and policy servicing problems.
For example:
You may miss renewal notices or important policy correspondence.
Your insurer may send documents to your previous address.
It may take longer to verify your details when you request policy changes or make a claim.
Your policy records may not reflect your current circumstances.
An outdated address does not automatically mean your entire policy becomes invalid. However, failing to disclose a change that affects your policy or risk information could create complications. Check your policy wording and inform your insurer promptly.
Keep Your Car Insurance Details Up to Date
Moving to a new home is a good time to review your car insurance details. Inform your insurer or takaful operator of your new address, including any change to where your car is usually parked.
Keeping your information accurate helps prevent unnecessary communication and policy servicing issues. If you are approaching renewal, compare your available car insurance options on BJAK and check that your personal and vehicle details are correct before confirming your purchase.
Do I need to update my car insurance if I move to another house?
Yes. Inform your insurer or takaful operator whenever your address changes, even if you remain in the same town or postcode.
Will my car insurance price increase if I move?
Not necessarily. Your insurer may reassess the risk based on your new location, but a change of address does not automatically mean a higher price.
Do I need to update my address if I only change my mailing address?
Yes. Your insurer needs your correct mailing address to send policy documents and important notices.
Can I update my address when renewing my car insurance?
You can inform your insurer of the change during renewal, but it is better to update your details as soon as you move rather than wait until renewal.
Do I need to update my address with my takaful operator too?
Yes. The same principle applies to motor takaful. Inform your takaful operator so it can update your certificate and contact records.
Can I update my car insurance address online?
Some insurers allow customers to submit address changes through online portals, email or digital request forms. Check your provider’s official website for the available method.
Nabil Farhan· · 4 min read
