How to change your car insurance to your new car

June 1, 2023

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Car Insurance

Taking a new car subscription or short-term car lease from Cocoon Vehicles can be very exciting for many of our customers, but as with the majority of our agreements, you need to supply fully comprehensive insurance cover for yourself and anyone else who drives the vehicle.

It is your responsibility to make sure that all of the details are correct to provide you with the best coverage, this includes details about the drivers. The vehicle details and the ownership and declaring speeding tickets or accidents.

Today we’re going to guide you through the simple steps of insuring your new car or transferring an existing policy.

Transferring your car insurance to a new vehicle

Whether your subscribing or short-term leasing, it’s extremely important that your car insurance policy is updated correctly to provide the right coverage for your new car. Here are the steps you will need to begin the neccessary changes:

Get in touch with your current provider

Depending on who your current provider is, you will need to speak, email or use their online services to notify the insurance company about the upcoming change in vehicle. They will guide you through the required steps.

Give information about your new car

The insurance company will require the details of your new car, this will include the make, model, year and the vehicle identification number (VIN). As our service is based either a vehicle subscription or a short-term car lease, they will also need to be told that you will not be the registered keeper nor the owner of the vehicle.

Insurance Coverage

Your car insurance provider will work with you to review your coverage and make any necessary adjustments to your policy. All of our vehicles require a fully comprehensive insurance policy and documents will be checked.

Compare Car Insurance Quotes

Whilst it may seem like the easy approach to transfer your existing policy to your new car, it might not be the cheapest. We recommend that you always compare insurance quotes from different providers. Use the button below to be taken to a comparison engine.

The right way to transfer your car insurance

If you decide to take up a quote from a new car insurance provider, make sure that you transfer this correctly, here is a simple guide to help:

Research the new provider

Before you commit, just take the time to research the new car insurance provider. Make sure they meet your needs and requirements, don’t just go ahead based on it being the lowest price. Read customer reviews from websites such as Trustpilot and see if they have a reputation in the industry.

Get Car Insurance Quotes

You can use multiple car insurance comparison sites or insurance providers to obtain quotes and compare the benefits each has to offer. Make sure when you compare the quotes you look at items such as excess cover, if you may need a courtesy car or legal assistance. Be truthful on things like no-claims bonus, penalty points and accidents.

Contact your current insurance provider

Before you sign on the dotted line, contact your current car insurance provider. They will then tell you what their cancellation policy is and if you have any refund due for unused premiums. They may also get their pencil sharpener out to cut your current costs.


Once you have decided on who you want to use to provide insurance for your car subscription or short-term lease, provide them with the information they request about your new car. They will then set-up the insurance policy and you can then cancel your previous insurance. Make sure that the dates are all correct so you do not have any time without insurance cover.

Frequently Asked Questions

Here are a few questions that our customers have asked over the years:

No, you will not be the registered keep or the owner of the vehicle that you take from Cocoon Vehicles on a car subscription or short-term car lease.

Please tell your insurance company that this is a lease vehicle.

No, all of our vehicles must be covered by a fully comprehensive insurance policy. This must cover all the users of this vehicle.

You are not allowed to let anyone drive the vehicle on their own insurance as this may invalidate the agreement and the coverage.

Your insurance premium will change based on many factors. This can include the vehicle specification safety features, repair costs and theft numbers of that particular vehicle.

Personal factors may also be taken into consideration, especially if you have received penalty points recently and even no-fault accidents.

No, you should not drive any car without valid car insurance. It is illegal and may result in a fine and/or penalty points. Before driving the vehicle, ensure you have insurance coverage in place and the time/date of the policy is valid.

There are so many circumstances where you may need that flexible vehicle, just call the team on 0330 330 9425 to see how we can help you!

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