Who should you notify if your address has changed?
RELOCATING CAN BE daunting, and many first-time movers aren’t initially aware of the sheer number of companies and organisations that have your address on file – let alone who you need to notify of your move. Sure, you’ve got the obvious – friends, family, bank, school, work – but plenty of others need to know when your address changes.
Between packing your belongings and coordinating transport, navigating each step with as little stress as possible is crucial. But who should you notify when moving? At the onset, you might wonder who needs to be informed first.
Here are the key organisations to notify before relocating:
DVLA/DVSA
Employer
Pension and life insurance companies
Local council for Council Tax
Royal Mail
Contents and buildings insurance companies
Healthcare providers (doctors, opticians, dentists)
Banks
HMRC
TV Licensing
Subscription services
STAY CONNECTED WITH ROYAL MAIL REDIRECTION
Royal Mail offers a redirection service to prevent important mail from going amiss. However, all organisations listed above still need to be notified independently. Royal Mail requires at least five working days to arrange a redirection.
UPDATE YOUR INSURANCE DETAILS When you’ve relocated, inform your insurance companies to update your house and car insurance details. Consider taking out insurance to cover any potential damage during the move. Remember, sharing relocation details after exchanging contracts is best to avoid repeating the process if the deal falls through.
SMOOTH TRANSITION OF COUNCIL TAX
Your local council provides a form to complete before you move, ensuring you don’t overpay Council Tax. Contact the council in your new area to set up your new Council Tax payment plan. You can find your local council here, visit: https://www. gov.uk/find-local-council
INTERNET CONNECTIVITY DURING THE MOVE
Contact a local broadband provider to set up your new internet as early as possible before your move. If you need a temporary solution, check your mobile phone contract for tethering options, or consider purchasing temporary internet packages. Public spaces like cafés, libraries and restaurants offer free WiFi, albeit with security concerns.
SETTING UP UTILITIES IN YOUR NEW HOME
Identify your new home’s current gas and electricity suppliers and take meter readings at both your old and new homes. You may stick with the current supplier or shop around for cheaper alternatives. Don’t forget to inform your water company about your move and notify the new supplier if it changes.
SCHOOL APPLICATIONS WHEN MOVING HOME
Research schools in your new area, considering factors like distance, transport links, extracurricular activities and additional support needed for your child. Depending on the time of year, your child might have the option to start fresh in a new school year or be offered an in-year transfer. Contact your local council for more detailed information on available schools.
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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. AS WITH ALL INSURANCE POLICIES, CONDITIONS AND EXCLUSIONS MAY APPLY. YOUR BUY-TO-LET PROPERTY MAY BE REPOSSESSED OR A RECEIVER OF RENT APPOINTED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE. MOST BUY-TO-LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY (FCA). EQUITY RELEASE MAY INVOLVE A HOME REVERSION PLAN OR LIFETIME MORTGAGE WHICH IS SECURED AGAINST YOUR PROPERTY. TO UNDERSTAND THE FEATURES AND RISKS ASK FOR A PERSONALISED ILLUSTRATION. EQUITY RELEASE REQUIRES PAYING OFF ANY EXISTING MORTGAGE. ANY MONEY RELEASED, PLUS ACCRUED INTEREST, TO BE REPAID UPON DEATH OR MOVING INTO LONG-TERM CARE. EQUITY RELEASE WILL AFFECT POTENTIAL INHERITANCE AND YOUR ENTITLEMENT TO MEANS-TESTED BENEFITS BOTH NOW AND IN THE FUTURE.
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