Need house insurance on exchanged property yet the online forms don't recognise this

[Gratepet]

Can't find an insurance company I can speak to on phone - all online quotes. Anyone got past this and got insurance on an exchanged but not completed property?

You can't find an insirance company that takes calls? Are you looking in the very very cheap end of the market? What about direct line?

I don’t think it makes a difference, you still legally own the house until completion.

I would have thought that you could renew your current policy and then cancel when you move out.

Adrian Flux are quite useful on the phone though so might be worth a try for proper advice.

If you can’t find an insurance company you can phone you’re not trying very hard.

In any case all you need to do is buy insurance as normal with the start date as the exchange date. That’s all there is to it really.

She means insurance on the new house, between exchange and completion.

I’m fairly sure I used Direct Line when we moved, but all insurance companies have phone lines. Who are you looking at that doesn’t?

You don’t legally own the house, but you are committed to buying it no matter whether it burns down or a tree falls on it. That’s why you need to insure from exchange.

I rang the insurers of the house I was living in, and so selling. They arranged cover on the new house from exchange and then cancelled the old policy on completion.

Basically you just have two policies running together for however long the gap is between exchange and completion.

I use NFU. They consistently come out on top of WHICH reports. I don't skimp on insurance.

Call your existing insurer (assuming you have one). They should add the new house from exchange and cancel the old one when you complete so they will insure both properties between the two.

We used AXA. There are some insurers who won't insure from exchange - I think AA was one. Our previous policy (cancelled on completion) was with NFU, but it didn't stand up to comparison with AXA for contents coverage.