Where Your Car Is Kept Overnight (Insurance)
#1
Posted 15 October 2012 - 03:16 PM
I've got use of a garage at my home address, which is in a block of garages. But what do I do, because my car won't always be in there so I didn't know whether to tell the insurance company it will be garaged or on the road. So I went with on the road to be on the safe side. Now I'm worried if I shove it in my garage I'll be uninsured
#2
Posted 15 October 2012 - 03:21 PM
If, for example you stated your car was garaged at night when at home address (and thus gaining a discount for more security) and you parked it on the driveway instead, if it were to be stolen your insurance wouldn't be vaild.
It doesn't mean you can only park in that location, but when within a certain distance it's expected that you'll keep it where stated.
#3
Posted 15 October 2012 - 03:24 PM
There is an explanation/endorsement for garaged cars: "The insured vehicle must be kept in a locked and secured building overnight when the vehicle is within a radius of half a mile of your private dwelling place or at any other address where the insured vehicle is normally kept which has been specifically agreed by us."
By normally I guess they mean most of the time. So you need to tell them where it will spend most nights.
#4
Posted 15 October 2012 - 03:26 PM
#5
Posted 15 October 2012 - 03:26 PM
However; most if not all policies provide cover when the vehicle is 'away from base' but there may be a minimum distance (typically one and a half miles) from your home. So, it's no good claiming your car is kept garaged and then claiming for theft when you left it just down the road.
Bob
#6
Posted 15 October 2012 - 03:30 PM
Several hours or so.
#7
Posted 15 October 2012 - 03:34 PM
#8
Posted 19 October 2012 - 12:10 AM
I guess the thieves have cover in a garage but I'm not sure how true what I was told is.
#9
Posted 10 November 2012 - 11:16 AM
Garaging isn't always cheaper either. I spoke to one underwriter who said some companies prefer the car to kept on the driveway as apparently thefts are more likely to be successful if the car is in a garage.
I guess the thieves have cover in a garage but I'm not sure how true what I was told is.
The underwriter you spoke to was correct, I've just tried driveway and garage on compare the market website and the insurance was almost £100 higher + for the car been kept in a garage!!!
#10
Posted 12 November 2012 - 12:00 PM
#11
Posted 12 November 2012 - 12:50 PM
Strange how garaging it is more expensive though. I thought some classic car policies demanded you keep it in a garage. Plus surely a built-in to your house garage is better than a separate one, but insurance doesn't discriminate.
#12
Posted 12 November 2012 - 02:55 PM
On a slight sidestep though, if it's marked down as being parked in a residential car park (i.e. the car park for my block of flats), but there isn't a space in there so I have to park it on the road, would it still be covered?
#13
Posted 12 November 2012 - 03:08 PM
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