Changing Insurance Cover After Buying a Second-Hand Car

When you buy a used car, you do not have to keep the previous owner’s insurance choices.

First, the insurance and ownership details should be changed to your name.

Then you can check whether the current protection suits you and the car.

You may be able to change details, add or remove optional covers, or choose a new policy.

A third-party policy can sometimes be combined with separate protection for damage to your own car.

Wider protection and add-ons usually cost more.

The car’s age, value, condition, use and claims history can affect the price.

You should ask the insurer what changes are allowed and what documents are needed before making a change.