Keeping car in garage - effect on insurance
Discussion
Mine is the same, in a locked garage it was £200 more than if I abandon it on the street. Odd as I asked about the driveway and that was £100 extra as well. Basically my insurance company would rather I parked my car somewhere on my street and risk it getting hit or stolen than locking it in the garage.
Crazy.
Crazy.
Nope. Well, not only am I getting completely stupid quotes anyway, but Admiral:
£1170 in garage
£1022 on street
Nuts!! The following has happened to my cars in the last 5 years when on the street:
1. Smashed by a RRS, new front bumper, headlamp.
2. Keyed
3. Keyed
4. Significant Door ding from someones front swinging as they park.
5. Scratched significantly (non malicious)
6. Boot scratched by someone putting bags on it.
7. stolen.
Are these boys on crack?
£1170 in garage
£1022 on street
Nuts!! The following has happened to my cars in the last 5 years when on the street:
1. Smashed by a RRS, new front bumper, headlamp.
2. Keyed
3. Keyed
4. Significant Door ding from someones front swinging as they park.
5. Scratched significantly (non malicious)
6. Boot scratched by someone putting bags on it.
7. stolen.
Are these boys on crack?
Edited by BMWBen on Wednesday 29th September 17:10
The only possible reason I can think of is people with a car that is a tight fit, and thus they scrape the doors/bumper/alloys getting in and out, and then claiming on their insurance. But surely that does not outweigh the damage that happens to peoples' cars on the road?
Edited by Deranged Granny on Wednesday 29th September 17:10
Alot of people cause damage driving in and out of their garages (we are talking about normal people not PH drivers 
)
Think about it "same routine pulled out of the garage a million times i know where the wall/gate is no need to pay full attention" wham
Where if someone is parked on the street they are more aware of their constant changing surroundings i.e. Cars driving past,people on pavement sounds strange but its true.
)Think about it "same routine pulled out of the garage a million times i know where the wall/gate is no need to pay full attention" wham
Where if someone is parked on the street they are more aware of their constant changing surroundings i.e. Cars driving past,people on pavement sounds strange but its true.
Edited by ZOLLAR on Wednesday 29th September 17:12
These days with cars being so secure the only way to steal one is with the keys
If a car is in a comunal car park it would be difficult to guess which house the car keys that belong to the car that the theif wants.
However if the car is parked on a drive, it is pretty obvious that the keys for that car will be in that house
If a car is in a comunal car park it would be difficult to guess which house the car keys that belong to the car that the theif wants.
However if the car is parked on a drive, it is pretty obvious that the keys for that car will be in that house
dave4959 said:
These days with cars being so secure the only way to steal one is with the keys
If a car is in a comunal car park it would be difficult to guess which house the car keys that belong to the car that the theif wants.
However if the car is parked on a drive, it is pretty obvious that the keys for that car will be in that house
True. But is that going to be statistically significant enough to make the ins co's actuary load the premiums?If a car is in a comunal car park it would be difficult to guess which house the car keys that belong to the car that the theif wants.
However if the car is parked on a drive, it is pretty obvious that the keys for that car will be in that house
SlowStig said:
Mine is the same, in a locked garage it was £200 more than if I abandon it on the street. Odd as I asked about the driveway and that was £100 extra as well. Basically my insurance company would rather I parked my car somewhere on my street and risk it getting hit or stolen than locking it in the garage.
Crazy.
Hmm. This perhaps explains why my insurance premiums went up by £70ish when I moved from a medium risk area to a low risk area (from a C to an A area, postcode risk assessment fans!): at the same time I gained a driveway on which I now park the car, rather than the previous musical-spaces street parking.Crazy.
Really is bizarre. Can't see how my drive is more risky than two metres around the corner, on the road.
aizvara said:
SlowStig said:
Mine is the same, in a locked garage it was £200 more than if I abandon it on the street. Odd as I asked about the driveway and that was £100 extra as well. Basically my insurance company would rather I parked my car somewhere on my street and risk it getting hit or stolen than locking it in the garage.
Crazy.
Hmm. This perhaps explains why my insurance premiums went up by £70ish when I moved from a medium risk area to a low risk area (from a C to an A area, postcode risk assessment fans!): at the same time I gained a driveway on which I now park the car, rather than the previous musical-spaces street parking.Crazy.
Really is bizarre. Can't see how my drive is more risky than two metres around the corner, on the road.
Deranged Granny said:
They'll know where to find the keys for the car, so it'll be more likely to be stolen.
Yeah, I guess that's it. I'm surprised that the higher risk of vandalism or crash damage which comes with street parking doesn't outweigh the fairly unlikely chance of break-and-enter car theft. Especially when in a fairly rural/low risk location. At the time I just put it down to the fact that I was moving nearer to Cambridge, which seems to mean an increase in prices regardless.
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