Car Insurance Transfer

Find out more about transferring your car insurance and when you may be able to do so in Savvy’s handy guide.

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, updated on February 15th, 2024       

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Car Insurance Banner - A couple signing documents to purchase a new car and transfer their car insurance.

When it comes time to sell your current car and buy another one, it’s important to know what to do with your car insurance policy. If you’re in this position, it’s worth knowing how transferring your policy to a new vehicle works.

In Savvy’s informative guide, we'll explain the steps involved in transferring your car insurance policy, as well as the documents you may need to do so and what the implications of transferring your policy may be.

How do I transfer my car insurance to another vehicle?

Transferring your car insurance to another vehicle involves a few simple steps. Here's a step-by-step process to guide you through the transfer:

  1. Contact your insurance provider: inform your current insurance company about your intention to transfer the policy to a different vehicle. Provide them with the necessary details such as the make, model and registration number of the new vehicle.
  2. Review coverage options: assess whether your existing coverage is suitable for the new vehicle or if adjustments are required. Consider if there are any offers on the market which may be suitable for your new vehicle.
  3. Review premium adjustments: depending on the new vehicle's value and condition, the premium for your policy may be adjusted. Discuss with your insurer to understand any changes in premium amounts or potential discounts.
  4. Confirm the transfer: once all the necessary information and documentation are provided, your insurance company will finalise the transfer. They’ll issue updated policy documents reflecting the new vehicle and coverage details.

Remember, it's crucial to notify your insurer promptly to ensure continuous coverage during the transfer process. Failure to update your policy details promptly could result in gaps in coverage or potential claims issues.

What documents are required to transfer car insurance?

To transfer your car insurance to another vehicle, you’ll typically need the following documents:

  • Vehicle registration documents: provide the registration certificate of the new vehicle, which includes details such as the Vehicle Identification Number (VIN), make, model and registration number.
  • Proof of ownership: if you’re purchasing the new vehicle, you may need to provide proof of ownership, such as a bill of sale or transfer of ownership documentation.
  • Driver's licence: your valid driver's licence is usually required as part of the transfer process. Ensure your licence information is up to date and matches the information on your policy. If they already have your licence on file, however, you may not need to supply it again.
  • Existing policy details: provide your current car insurance policy information, including policy number, coverage details and potentially your certificate of currency. This will help your insurance provider to locate your existing policy and initiate the transfer.
  • Additional documentation: depending on your insurer's requirements, they may request additional documentation, such as proof of address, proof of no-claim bonus or any other relevant documents.

It's important to contact your insurance provider directly to confirm the specific documents they require for the transfer. They’ll guide you through the process and ensure you have all the necessary paperwork to facilitate a smooth transfer of your car insurance.

Can I transfer my car insurance to a new owner?

In most cases, car insurance can’t be directly transferred to another person. When you sell your vehicle, the insurance policy generally remains with you, and the new owner will need to obtain a new insurance policy in their name to ensure proper coverage.

However, compulsory third party (CTP) insurance is linked to the vehicle, rather than the driver, meaning your CTP can be transferred to the new owner of your car. It’ll be the new owner’s responsibility to ensure the vehicle is adequately covered by CTP insurance, as driving without this type of insurance is an offence.

Can I transfer my car insurance if I move to a different state?

You may be able to transfer your car insurance when you move to a different state within Australia. However, the process may vary depending on the insurance provider and whether they offer protection where you’re moving, as well as if your new car is eligible for cover.

Transferring your car insurance from Queensland to New South Wales, for example, may involve some administrative steps, but it’s generally a straightforward process. By promptly notifying your insurance provider and following their instructions, you can ensure a seamless transition of your car insurance coverage to your new state of residence.

It's a slightly different story for CTP insurance, which will need to be purchased in conjunction with vehicle registration in your new state or territory. This may involve cancelling your current coverage to take out a new policy.

Remember, it's essential to update your car insurance policy as soon as possible after your move to maintain continuous coverage and comply with the legal requirements of the new state.

Common questions about transferring your car insurance

How long does it take to transfer car insurance to a new vehicle?

The time it takes to transfer your car insurance to a new vehicle can vary depending on your insurance provider and the specific circumstances of the transfer. In some cases, it can be completed in a matter of minutes or hours, while in other cases, it may take a few business days. Contact your insurance provider for detailed information about their transfer process and the estimated time it will take.

Is there a fee for transferring car insurance?

The fees associated with transferring car insurance can vary depending on the insurance provider and the specific circumstances of the transfer. Some insurance companies may charge a nominal administrative fee for processing the transfer, while others may not impose any fees. It's best to check with your insurance provider to understand if there are any fees involved in transferring your car insurance.

Can I transfer my car insurance to a leased vehicle?

You may be able to transfer your car insurance to a leased vehicle. However, you will need to notify your insurance provider about the change and provide them with the necessary details of the leased vehicle. You may also be able to purchase insurance through your leasing company as part of the package. It's important to review your insurance options to help you lock in the best possible deal for your needs.

Can I transfer my car insurance to a rental vehicle?

Car insurance policies typically don’t cover rental vehicles. However, you can explore options for obtaining insurance coverage for rental vehicles through the rental car company or by purchasing separate rental car insurance.

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Car Insurance Banner - A couple signing documents to purchase a new car and transfer their car insurance.

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