Forgot to inform of change of address and had accident!

[emandems]

Hoping someone can give me some advice before I talk to the insurance company.

 

I recently moved and forgot to tell my insurer that I'd moved house. A week or so ago I had an accident, completely at fault, where I went into the back of someone at a roundabout. It caused some damage to their rear bumper and a tiny bit of damage to my front bumper but we exchanged details and did what we should. I also rang my insurer at the time to tell them about the accident and that I didn't intend to claim but third party would need to. I was in a bit of a panic about it (never had an accident before, 6 years NCD completely since I started driving) so gave the insurance company my old address as was on my policy which I keep a copy of in the car.

 

I gave my details to the other driver as my new address. After I had calmed down I realised I hadn't changed my address on my policy at all.

 

I'm really worried now about what is going to happen (like can't sleep properly worry, no fingernails left). I fully accept I should have told them and it was foolish oversight on my part but I know what insurance companies are like and scared I'm going to be accused of fraud and have my policy voided.

 

I already emailed the company and told them all the details but got the usual auto response, we'll reply in up to 3 or 4 working days. I really am dreading just picking up the phone and telling them in case I get told I'm a fraud and would probably just cry at this moment in time.

 

Any advice really appreciated. Am worrying myself sick about it.

[renegadeimp]

You wont get told you are a fraud. They are more likely to be suspicious if you dont call them and tell them.

[unclebulgaria67]

Just call the Insurers to update the address. You should have told them at the time, but when you are moving, sometimes these things are forgotten about. There may be a premium adjustment on the policy and an admin fee due.