Haven Insurance: Updating Your Address, Securing Your Coverage

Haven Insurance provides specialist motor and home insurance, including short-term and annual insurance policies. If you are a Haven policyholder and wish to change your address, you will need to contact your broker directly. It is important to update your address with your insurance provider when you move to maintain accurate and valid coverage. Failure to do so may result in the insurance company cancelling your policy, as it is considered a material change of risk.

How to change your address for Haven Insurance

If you are a Haven policyholder and need to change your address, you should contact your broker directly. Haven Insurance provides both short-term and annual insurance policies, and it is important to update your address to maintain valid coverage.

You can contact Haven Insurance via email at [email protected] or by post at the following address:

Haven Insurance Company Limited

No.1 Grand Ocean Plaza

Ocean Village

Gibraltar

GX11 1AA

It is worth noting that failing to update your insurance provider with a change of address could result in your policy being cancelled. This is because your location can impact your insurance premium, with certain areas deemed more high-risk than others. Therefore, it is important to inform your insurance company of any changes as soon as possible.

Contact details for Haven Insurance

Haven Insurance is located at No.1 Grand Ocean Plaza, Ocean Village, Gibraltar, GX11 1AA. The company provides specialist motor and home insurance, including short-term and annual insurance policies.

If you are a Haven policyholder and wish to discuss your policy or payments, or need to make amendments to your policy, you should contact your broker directly.

For general enquiries, you can email Haven Insurance at . If you wish to make a claim or need to discuss an ongoing claim, you can refer to the Claims section of the Haven Insurance website.

If you are interested in a career with Haven Insurance, you can send a copy of your CV to or write to the office address above. Please note that your data will be processed for recruitment and employment purposes.

Haven Claims is the trading name of Acorn Insurance and Financial Services Ltd and is Haven Insurance's UK claims handling agent. You can contact Haven Claims by email at or by post at PO Box 681, Sevenoaks, TN13 9YA.

The importance of updating your address for car insurance

Updating your address for car insurance is a vital step that should not be overlooked when moving house. Not only does it ensure that your policy remains valid, but it can also impact your insurance rates and coverage. Here are several reasons why updating your address is crucial:

Maintaining Valid Coverage

Failing to update your address with your car insurance provider can result in your policy becoming invalid. Insurance companies require your current address to determine the level of risk associated with your location, which directly impacts your coverage. By providing your new address, you ensure that your policy remains active and accurate, averting potential issues when making a claim.

Impact on Insurance Rates

Your address is a significant factor in calculating your insurance premiums. Insurance providers consider various factors related to your location, such as crime rates, traffic conditions, population density, and the number of uninsured drivers in the area. Moving to a new address, even within the same city, can lead to changes in these factors, resulting in higher or lower insurance rates.

Compliance with Legal Requirements

In some places, there is legislation that mandates individuals to keep their insurance providers informed about any address changes. For example, in Ontario, consumers are obligated to notify their auto insurance company of any relocations. Failing to do so may result in policy cancellation or other legal consequences.

Avoiding Claims Denial

If you get into a car accident and need to file an insurance claim, having the wrong address on your policy could lead to claim denial. Insurance companies need to know your current address to process your claim effectively. Updating your address ensures that they have the correct information to handle your claim promptly.

Major Life Changes

In addition to your physical move, major life changes such as marriage, divorce, or a new job can also impact your insurance rates. Updating your address presents an opportunity to review and adjust your policy to reflect these life changes, which may result in adjustments to your premium.

Compliance with State Requirements

When moving to a new state, it is crucial to update your car insurance as each state has its own laws and requirements for car insurance coverage. The amount of liability insurance and the need for Personal Injury Protection (PIP) coverage vary by state. Therefore, relocating to a new state necessitates adjusting your policy to comply with the local regulations.

In conclusion, updating your address for car insurance is essential to maintain valid coverage, avoid legal complications, and ensure that your insurance rates and coverage align with your new location and life circumstances. Remember to contact your insurance provider directly and review your entire policy to make this transition as smooth as possible.

The consequences of not updating your address for insurance providers

Changing your address can be a stressful process, and it is understandable that updating your insurance policy might go unnoticed amidst the chaos. However, failing to update your insurance provider about your change of address can have serious implications.

Firstly, your insurance policy may be invalid if you provide an incorrect address. If an insurer finds that the address you gave on your application is not your official residence, they may disqualify you from receiving coverage. If they establish that you deliberately provided incorrect information, your policy may be cancelled immediately, and any claims resulting from this misrepresentation may not be honoured.

Similarly, insurers may not honour a claim if it turns out that the wrong address was given and the place where the accident happened is outside of the policy's geographical limits. Therefore, it is important to ensure your insurance provider has your correct and up-to-date address to avoid these issues.

Failing to update your address could also result in higher insurance rates. Where you live has a big impact on how much your policy costs. Crime rates, traffic, population, and the number of uninsured drivers in your area all influence premiums. Moving from a rural area to a densely-populated city will likely cause your insurance rates to go up.

In addition, if you are leasing or financing your car and don't update your auto insurance address, you could violate your lease agreement or loan contract.

Most insurance companies give policyholders up to 30 days to update their address after moving. If you forget to change your address, you may be able to do so online or by contacting a customer service representative.

If you are a Haven policyholder, you can contact your broker directly to discuss your policy or make amendments. You can also contact Haven Insurance via email at [email protected] or by post at the following address: Haven Insurance, No.1 Grand Ocean Plaza, Ocean Village, Gibraltar.

Other organisations to update your address with

When you move, it's important to update your address with your insurance company and other relevant organisations to maintain accurate and valid coverage. Here is a list of other organisations you should notify when you change your address:

Driving Licence

It is a legal requirement to update your driving licence with your new address. This ensures that your driving records are up to date and accurate.

V5 Log Book

The V5 Log Book contains vital information about your vehicle, such as the registered keeper and address. Updating your new address in the V5 Log Book is crucial to keeping this information current.

Car Tax

If you are responsible for car tax payments, updating your address with the relevant authority is essential. This ensures that you continue to receive correspondence regarding your vehicle tax and avoid any issues or disruptions.

Finance Agreements

If you have any financial agreements linked to your vehicle, such as a loan or lease, inform the finance company about your change of address. This allows them to maintain accurate records and ensures you receive important communications.

HM Revenue and Customs (HMRC)

Update your address with HMRC for tax credits and Child Benefit. You can do this by signing in to your personal tax account using your Government Gateway user ID and password. If you don't have a personal tax account, you can create one with your National Insurance number and supporting documents.

Utility Providers

Notify your gas, water, and electricity suppliers about your change of address to ensure uninterrupted services at your new residence.

Postal Service

Setting up mail redirection with the postal service, such as Royal Mail, ensures that you continue to receive important documents and correspondence at your new address.

Frequently asked questions