How To Change Address On Your Car Insurance Policy

3 minutes can save you hundreds. Enter your postal code below and join thousands of Canadians saving on insurance.

Secure. No Spam. No Fees.

Why You Can Trust MyChoice

MyChoice serves as an independent intermediary between you, financial institutions and licensed professionals without any additional charge to our users. In the interest of transparency, we disclose that we partner with some of the providers we write about – we also list many financial services without any financial gain. MyChoice does not operate a financial institution or brokerage and to ensure accuracy, our content is reviewed by licensed professionals. Our unique position means that we hold no recurring stake in your policy, ensuring our mission to help Canadians make better financial decisions is free of bias or discrimination. 

Article Contents
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on January 3, 2024

Visit author page
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated January 3, 2024

Visit author page

3 minute read

Article Contents
How To Change Address On Your Car Insurance Policy

In the whirlwind of moving, changing your address on your car insurance policy is a critical yet often overlooked task. This isn’t just a matter of ticking off a box in your moving checklist. It’s an essential step in ensuring that your car insurance coverage is accurate and legally compliant. In this detailed guide, we delve into the reasons for updating your address and the impact it has on your insurance and provide a step-by-step approach to make this process as smooth as possible.

Do I Need to Change The Address on My Car Insurance Policy?

Moving can be a rather stressful process that requires keeping many things in mind. As the move day approaches, the Canada Post moving checklist recommends following specific steps, such as arranging phone service at your new home, returning any cable TV equipment, returning borrowed items, and completing necessary change of address forms. One of those is updating your car insurance policy’s address. Even if your new residence is in the same town or city, you can’t skip this crucial step. Neglecting this update can lead to various complications:

  • Legal Compliance and Insurance Validity: Your car insurance policy is a legal document, and keeping your information current is not just recommended but often required by law. An outdated address can lead to complications, especially if you need to file a claim, potentially putting you in a position of unintentional non-compliance.
  • Impact on Insurance Premiums: Insurance rates are not static and can vary significantly based on multiple factors, including geographical locations. Factors such as local crime rates, the likelihood of accidents, and even weather patterns in your new area can influence your premium. Therefore, an address change could directly affect the cost of your insurance, either increasing or decreasing it.
  • Fraud Prevention: Incorrectly listing your address, intentionally or not, can be construed as insurance fraud. This serious offence can lead to penalties, including policy cancellation or legal action.

It’s important to know that your car insurance address can differ from your home address, as there’s no legal rule requiring them to be the same. This is often the case when you own a vehicle but aren’t the primary driver, like if your child at university is the primary driver, leading to different addresses for car insurance and your home.

The address on your vehicle registration form doesn’t need to align with the one on your driver’s license either. This flexibility accommodates individuals who own multiple properties.

Step-by-Step Guide to Updating Your Car Insurance Address

  • Initiate Contact with Your Insurer: The first step is to contact your insurance provider. This is usually done via phone, online portals, or the insurer’s mobile app. 
  • Provide Accurate Information: Have your new address details at hand. You may also be asked for additional information to verify your identity and the authenticity of the change request.
  • Understand Policy Adjustments: Changing your address isn’t just about updating records. Your insurer may review and modify your policy based on the new location’s risk profile. This is an excellent time to ask questions and understand how your coverage might change.
  • Confirmation is Key: After you’ve made the change, ensure you receive a confirmation from your insurer. This could be an updated policy document, an email confirmation, or a letter. Read our guide to learn how long you need to keep your insurance records.
Step-by-step guide to updating your address

How Much Does It Cost to Change a Car Insurance Address?

Generally, updating your car insurance policy information, such as your address, is a free process. You can easily do this by going online or contacting your insurance provider within their working hours. This update is quick, often taking just a few minutes, so there’s every reason to ensure the address on your insurance policy is current.

Should I Update My Car Insurance Address for a Temporary Move?

Even if your move is temporary, such as for education or a short-term job assignment, updating your address with your insurance provider is essential. This ensures that your coverage reflects your actual living situation.

What Will Happen If I Used a Fake Car Insurance Address?

In 2020, TransUnion, a credit reporting agency, highlighted that misrepresented address information, a form of auto insurance rate evasion, is increasingly becoming an issue in the Canadian auto insurance sector. Using a false address on your car insurance can have serious repercussions, including claim denial. If fraud is discovered following an accident, you could be responsible for significant expenses like repair costs, medical bills, and legal fees, as your insurance coverage may not apply. This could lead to driver’s license suspension, credit history damage, and potential lawsuits. Furthermore, such fraudulent activity often results in policy cancellation, labelling you as a high-risk driver and making future insurance more costly and difficult to obtain.

Moving Across Provinces

Moving to a different province requires understanding its unique insurance laws, which can affect your coverage and premiums. In provinces like Quebec, you’ll need a hybrid car insurance approach, combining government-run and private coverage, unlike in places like Ontario. If your new province doesn’t have government-run insurance, you might keep your current policy, depending on your insurer’s presence there. This move is also a chance to explore new insurance options, possibly finding better rates or more suitable coverage.

The Bottom Line

Updating your address with your car insurance provider is straightforward yet vital. It ensures that your coverage accurately reflects your current living situation, keeping you legally compliant and financially protected. Regularly reviewing and updating your insurance details, including your address, is responsible for managing your car insurance policy.

Congratulations! You made it to the end!

Now, here is the easy part: complete your quote in under 2 minutes

Discover More About

The Alberta government has announced a comprehensive reform of the auto insurance system, set to take effect in 2024. Read on to learn more.
Learn about ten essential car maintenance tips that every vehicle owner should know, whether auto insurance covers car maintenance and more.
Learn about intricacies of taxes on used vehicles in Ontario, and get insights and tips ob how to navigate this aspect of car ownership.

Even More Ways To Save