What to consider when moving home

With so much to think about when relocating, it’s vital you plan ahead. Follow our top tips to make your move go as smoothly as possible.

Give your landlord notice

If you’ve been living in rented accommodation, you’ll need to give your landlord notice in writing that you intend to end the tenancy.

Your tenancy agreement should state how much notice you need to give before you leave the property. Your landlord may agree to accept a shorter notice period if they can find new tenants quickly, but they don’t have to do so.

Get buildings insurance in place

From the time you exchange contracts – not the day of completion – you’re legally responsible for the property you’re buying. So, make sure you have cover in place from exchange day as you don’t want to be left unprotected should anything happen to your new home before you move in.

Mortgage lenders will need you to have buildings insurance, although you don’t have to buy cover from them. You can also shop around for home insurance.

Sort quotes from removals firms

Removals vans can get booked up pretty quickly, so as soon as you know when your moving date is, get quotes and book the best company for your needs.

Always check the firm’s insurance policy to find out how your belongings will be covered for any damage while in transit. You may also be protected under your own home contents insurance, but it will usually specify you use a professional removals firm. A DIY move won’t be covered.

Contents insurance usually only lasts a few days for goods in transit, so if you plan to put your belongings in storage for longer, get specific storage insurance.

Tell your bank and other service providers

In the month leading up to your move, start letting people know your change of address.

Tell banks, building societies and insurance companies so they can update their records. This will help to prevent important financial documents falling into the wrong hands.

You also need to tell the council for council tax purposes, as well as your utility providers and broadband supplier.

Redirect your mail

Arranging for your post to be forwarded to your new address by Royal Mail will protect your personal information from identity theft.

You’ll have to pay a fee for this service, but with your mail redirected for at least three months, you won’t miss any important letters and your personal details won’t go astray.

Colour co-ordinate your boxes

Packing for a big move takes a lot of organisation. One tip is to label boxes clearly with their contents and the room they’re going in. Pick a different colour for each room so the movers know where to put them. This saves a lot of time when you come to unpack.

And remember to pack an overnight box with essentials, including:

  • kettle
  • coffee/teabags/mugs
  • nightwear
  • toiletries
  • bedding
  • toilet roll
  • change of clothes

Take final meter readings

Before saying goodbye to your old home, remember to take final gas and electricity meter readings and notify your suppliers so you don’t get billed for the new occupier’s usage.

You can usually stay with the same supplier when you move, and they can arrange the switch for you. But check whether it might be more cost-effective to switch provider.

Re-evaluate your contents insurance

Once you’ve settled into your new home, review your contents insurance. Premiums aren’t just based on the value of your possessions – they can be determined by your postcode and type of property you live in.

You may also be buying new furniture for your new home that will increase the value of your contents, so make sure you have sufficient cover.

Did you know...? It costs £33.99 to have your mail redirected for three months in the UK, or £66.99 for a year, so factor this into your moving budget.

You might also be interested in…

 

See how to calculate buildings and contents cover.

 

Discover the benefits of insuring your home.

 

See what is and isn’t covered by home insurance.