Can I transfer my house insurance when I move?

Yes, you can transfer your existing home insurance policy when you move to a new home. There are two ways this process can work:

• Mid-Term Adjustment (MTA): You can transfer your existing policy to cover your new home. This involves updating the policy with details of the new property through a process known as a Mid-Term Adjustment (MTA). The policy will then be adjusted on a pro-rata basis. This means any additional premium or refund due will be calculated based on the time remaining on your current policy and the new risk level associated with your new home.
• New Policy: If the new property details are not acceptable to either you or your current insurer, a new policy may be required. In this case, you would need to obtain a new quote, and if accepted, the new policy would start a new 12-month term. The unused portion of your original premium (after deducting any fees) would typically be refunded or applied to the new policy on a pro-rata basis.

This ensures that you won’t lose any of the premium you’ve already paid when you move​.