Isn’t car insurance transferrable?
If you want to change the details such as update the address, change the car or switch the main driver, then this is possible but there may be charges or a change in your premium. Car insurance premiums are based on how risky you’re considered as a driver, your experience, insurance claims history and even your job will all be taken into consideration when calculating this risk.
In addition, where you live, where your car’s kept and how many miles you drive a year, is also factored in. So insurance policies are very much tailored to you as an individual and as such, can’t simply be transferred to someone else – even your spouse or partner.
You can of course, amend your policy by contacting your provider. It’ll be at their discretion whether they agree to alter your existing cover or ask you to take out a new policy in its place. But if you want to switch policy holder mid-term, that won’t be possible.