Hi Plywood - Failing to notify your insurer of a change of address would be insurance fraud. When you completed your original insurance proposal form, there was a notice on the form pointing out your obligation to inform the insurance company of any material change in your circumstances. If you fail to inform them of this change of address, you will effectively be driving without insurance. While they may pay out a claim to a 3rd party, they are likely to come after you legally for reimbursement of such a claim.