Do I have to update my car insurance?

Yes, your car insurance needs the new address, because the regional class is based on the keeper's main residence and can change the premium. In addition, you must report the change of address to the vehicle registration office without delay; you may keep the number plate. Also report the move to the insurer promptly so that the premium and contract details are correct.

What happens to contents insurance when you move?

Contents insurance moves with you: cover transfers to the new flat, and for a transitional period it applies in both flats. The move must, however, be reported. State the new living space and, if necessary, a higher sum insured, otherwise you risk underinsurance. When moving abroad, cover ends at the national border with many insurers.

How do I update my liability insurance?

You update your liability insurance informally by phone, email or customer portal. Give the new address and the move-in date. Because the cover is not tied to where you live, the premium rarely changes; the notification is still important so that letters and invoices reach you.

Do I need new buildings insurance?

If you own a house, you need separate buildings insurance for the new property, as existing policies are not transferred automatically. For a rented flat, on the other hand, this insurance is the landlord's responsibility. Check early which sums insured make sense for the new building, to protect against damage from fire, storm or burst pipes.

How long do I have to update my insurance policies?

There is no single statutory deadline; what applies is set out in the terms of the respective contract. You should inform your contents insurer before the move, because the move must be reported. With car insurance a quick notification is worthwhile, and the registration office needs the address without delay. In general: the earlier you update your insurance , the lower the risk of a gap.

What happens if I forget to update?

If you forget to update, insurance cover may be restricted or even refused in the event of a claim. With car insurance in particular, back payments may be due if incorrect premium data is on file. To avoid such risks, contact all relevant insurers directly after the change of address and have the adjustment confirmed in writing.

Does my insurance premium change because of the move?

Yes, especially with car insurance and contents insurance , the premium can change due to the new residential region and the size of the flat. Regional risk factors such as burglary statistics or traffic density play a decisive role. It is worth comparing current conditions after the move and adjusting the tariff if necessary.

Does health insurance have to be updated?

Yes, your health insurance also needs your new address. With statutory funds a short notification is enough; the additional contribution depends on the fund, not on where you live. Those with private insurance also notify their address; when moving abroad, you should clarify beforehand whether and how the cover applies there.

How do I update my legal expenses insurance?

You can inform your legal expenses insurance of the new address easily online, by phone or in writing. In most cases the existing cover remains unchanged. Nevertheless, the notification is important so that all contract documents and letters are delivered correctly and there are no delays in the event of a dispute.

Does contents insurance also apply during transport?

Contents insurance only covers damage during transport if one of the insured risks occurs, such as fire or burglary – not the typical breakage while carrying. For damage to the belongings, it is primarily the moving company that is liable under the HGB, at €620 per cubic metre of loading space. Additional insurance can make sense for valuables.

Can Beste Umzug Unternehmen help with updating insurance?

This guide sums up which bodies should be informed when updating your insurance , so you do not forget any notification. We take care of the transport at a fixed price after a survey, and we are liable for your belongings under the HGB. That way you can concentrate on your new chapter in life.

TAKE YOUR POLICIES WITH YOU

Updating your insurance policies after a move

Q: Which insurance policies do I have to update when I move?

When moving, you should above all update your contents insurance , personal liability insurance , car insurance and, where applicable, buildings insurance . Additional policies such as legal expenses or accident insurance also need the new address. A complete list of all contracts helps you not to forget any important policy when updating your insurance and to stay covered throughout.

Which insurers you have to notify when you move, what can change in the premium and how to avoid gaps in your contents insurance.

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After the move

Updating insurance: contents, car, liability

New address, new details

Unsere Firma Insurance when moving: adjust contents insurance, check the car regional class, inform liability insurer and health insurance fund.

A move affects not only furniture and boxes but also your insurance policies. The most important is contents insurance: the move must be reported, and for a transitional period cover applies in both the old and the new flat – the exact period is stated in your terms and conditions. During transport, it is first of all the moving company that is liable for damage to the belongings, under the German Commercial Code (HGB). For our private move that is €620 per cubic metre, and additional insurance is possible on request.

With car insurance the premium can change, because the regional class depends on the keeper's main residence. Personal liability, legal expenses and accident insurance usually only need the new address. On long-distance moves abroad, contents cover ends at the border with many insurers – clarify this beforehand. We are based in Berlin and take care of the transport; this guide helps you keep track of your policies.

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CHECKLIST INCLUDED

PERSONAL ADVICE

A fixed price plus a checklist for your policies

Fixed price after a survey, liability under the HGB

After the survey we give you a fixed price for the move. You also receive a checklist of which bodies should be informed when updating your insurance – from contents to car. That way you combine the transport with a clear plan for the formalities afterwards.

Offers available individually, depending on effort, scheduling and the scope of services required.

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TRANSPORT AND OVERVIEW

How we support you with updating

Transport by us, policies in view

We take care of the professional transport and give you a list of whom you should inform when updating your insurance. We are liable for your belongings under the HGB (§ 451e: €620 per m³) and inform you in advance about the option of additional insurance – whether for a private move or a long-distance move. We are based in Berlin (Stromstraße 21) and drive nationwide. We give you the fixed price after the survey, so you can budget the costs reliably alongside new insurance premiums.

Packing service

If we pack your things as part of our packing service, liability under the HGB also covers the contents of the boxes – with self-packed boxes we are not liable for damage caused by inadequate packing.

Inventory list

A list with values helps twice over: during the move for possible additional insurance and afterwards for the new sum insured on your contents insurance.

Senior moves

For older people, pension, health insurance and long-term care insurance belong on the list – we plan the move calmly and help with unpacking.

Furniture transport

Carefully secured furniture is the best protection: what is not damaged in the first place does not have to be reported to the moving company or an insurer at all.

WELL PROTECTED

What counts when updating

Valuables such as jewellery, electronics or art need special protection when moving: the moving company is not liable for jewellery and money under § 451d HGB. After moving in, check whether the sum insured on your contents insurance still matches the value.

Report in advance

It is best to tell your contents insurer about the move beforehand – with the date, new address and living space of the new flat.

Space and sum insured

A larger flat, more furniture? Adjust the living space and sum insured, otherwise you risk underinsurance in the event of a claim.

New tariff zone

The contents premium also depends on the location: with the new address, the tariff zone and therefore the premium can change up or down.

Car by residence

The regional class in car insurance is based on the keeper's main residence; the GDV (German Insurance Association) publishes the values once a year.

Registration first

You must notify the vehicle registration office of the new address without delay; you may keep your existing number plate even after a move.

Everything in writing

Have every change confirmed – a short email or an entry in the customer portal is enough to have clarity about your cover later.

SMALL LOADS

Part load: the same liability

Shared loading space, same rules

With a part load, several customers share one transport, which saves costs. The same liability under the HGB applies to your belongings as with a vehicle of your own, calculated on the loading space your things need. We inform you in advance how far this protection extends.

Open cargo space of a red lorry with wrapped furniture, panels and boxes

OTHER ADDRESSES

More
than just insurance

What else needs updating

Besides updating your insurance, other bodies belong on the list: registering at the Bürgeramt (registration office) within two weeks, mail forwarding, your bank, employer and the broadcasting fee. Anyone planning a private move should add these tasks to the checklist early. How to re-register your car is explained in the article Re-registering a car.

Before the move

Collect your policies, inform your contents insurer, draw up an inventory list: that way your private move, senior move or student move has no gap in insurance between the old and new flat.

During transport

With a packing service and careful furniture transport, the moving company is liable under the HGB; with a small transport too: money, jewellery and documents belong in your own luggage.

After moving in

Check vehicle registration, regional class and the contents sum insured – for an office move, company relocation, public-authority move, part load or furniture taxi, business and contents insurance also belong on the list.

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Two movers in dungarees carry moving boxes through a bright flat

FAQ

Frequently asked questions on updating insurance policies

Answers on contents, car, liability and buildings insurance, health insurance and deadlines.

When moving, you should above all update your contents insurance, personal liability insurance, car insurance and, where applicable, buildings insurance. Additional policies such as legal expenses or accident insurance also need the new address. A complete list of all contracts helps you not to forget any important policy when updating your insurance and to stay covered throughout.

Which insurance policies do you have to update when you move?

When you change home, it is mainly contents insurance, personal liability insurance and, where applicable, buildings insurance that are affected. Car insurance also needs the new address, because the regional class is based on the keeper's main residence and can change the premium. Your health insurance fund receives the new address; the additional contribution of a statutory fund does not depend on where you live.

Not to be forgotten are legal expenses, accident and life insurance, which also need the new address. A complete list of all current contracts helps you not to overlook anything when updating your insurance. With a private move in particular, early planning is worthwhile to avoid gaps in cover.

Deadlines and procedure: how to update your insurance in time

There is no single statutory deadline for all insurance policies; the duty to notify is set out in the respective terms and conditions. With contents insurance the move must be reported, so it is best to report it before moving day. With car insurance a quick notification is also worthwhile, as the new regional class can change the premium.

Before the moving date, draw up an overview of all policies with contract numbers and contact details. Many insurers accept address changes online or by email; have the change confirmed. That saves you time and avoids duplicate work in the stressful moving week.

What the move itself costs

Type of move	Price from
1-room flat	€354
2-room flat	€605
3-room flat	€905
4-room flat	€1,309
House/villa	individual quote
Long-distance move	€4.20/km

We give you the fixed price after a free survey.

These factors determine the moving price

A realistic moving price is made up of several components: the volume of your household goods, the distance (from €4.20/km) and structural conditions such as the floor and lift. A no-parking zone may also be needed. Optional services such as furniture assembly and a part load extend the offer.

Services for a well-protected move

We are your contact for every kind of move – here is an overview of our services:

Furniture transport – Furniture transport
Part load – Part load
House clearance – House clearance
Company relocation – Company relocation
Private move – Private move
Move with assembly – Move with assembly

Updating on a long-distance move too

On a long-distance move, the regional class, tariff zone and registration office often change at the same time. We are based in Berlin and drive nationwide – destinations can be found in the overview of destinations, long distances under Long-distance moves.

Authorities & Address Registration

Beste Umzug Redaktion

September 1, 2026

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