Where do you park your car?

Bossyboots

Ganyam wrote:

Who tells the insurance company the truth... you tell tham its parked in the street they'll easly slap a 100 on the price ... lie where you can.. you owe them nothin!!!

Thats all very well until it gets hit by another vehicle or damaged by vandals and you have to make a claim. Your insurer will decline to pay out if you have not parked it where it is insured to be parked.

Lying is insurance fraud. A criminal offence.

The irony has not escaped me.

Bossyboots

Ken68 wrote:

If you have a dropped kerb, and a white line (free) , any vehicle parked on it are themselves UNINSURED. The white line has the force of law, and you can if you wish involve the police

Where did you get that info from?

This is what Lewisham Council says about it

"White Crossover Bar Markings

The Council can also provide a White Crossover Bar Marking, which is a white line which runs across your driveway parallel to the kerb line. This emphasises that there is a driveway there and discourages obstructive parking. However these markings are not enforceable, they are courtesy markings."

Parking on them would not make anyone uninsured, even if to park on them was illegal. The police can be called to anyone's property if a vehicle is obstructing their access from their premises.

Rikki

My car insurance is for my car to be garaged overnight. It is most of the time. It has been parked on the drive when I have had to store thing temporarily in the garage.
Most insurance companies don't expect you to use the garage 100% of the time.
Your car is still insured when you are away from home and when parking outside your own home.
If in any doubt check with your insurance company.

Bossyboots

Rikki wrote:

My car insurance is for my car to be garaged overnight. It is most of the time. It has been parked on the drive when I have had to store thing temporarily in the garage.
Most insurance companies don't expect you to use the garage 100% of the time.
Your car is still insured when you are away from home and when parking outside your own home.
If in any doubt check with your insurance company.

I specifically checked with my insurer and my car is insured at night when parked on the driveway but not on the street outside.

Obviously, being away from home is different and you are insured when parked away but you can expect them to be stringent when at home.

If you were to make a claim because something happens to your car when it is not in the garage overnight, I wonder whether you would actually find them making difficulties about paying out. Lets face it, these days insurers seem to try to find any excuse to refuse payments.

Rikki

I check with my insurance company and there is no problem with leaving it on the drive occassionally as long as it is normally in the garage.

I know of people who say their car is garaged at night, but if the insurance company was to see their garage they would realize there is no way it was garaged at night.

Maybe the insurance companies should start doing random checks.

Bossyboots

Rikki wrote:

I check with my insurance company and there is no problem with leaving it on the drive occassionally as long as it is normally in the garage.

I know of people who say their car is garaged at night, but if the insurance company was to see their garage they would realize there is no way it was garaged at night.

Maybe the insurance companies should start doing random checks.

As I was typing my earlier response I was thinking about them doing random checks.

The difference between my situation and yours is that mine is either on the drive or it would have to be on the street where it would be a greater risk of damage.

On your drive instead of in your garage is a far less extra exposure to potential damage than leaving it on the road so they can afford to be less stringent.

I might have been told the wrong thing mind you. It wouldn't be the first time.

derrick

Bossyboots wrote:

Where did you get that info from?

This is what Lewisham Council says about it

"White Crossover Bar Markings

The Council can also provide a White Crossover Bar Marking, which is a white line which runs across your driveway parallel to the kerb line. This emphasises that there is a driveway there and discourages obstructive parking. However these markings are not enforceable, they are courtesy markings."

Parking on them would not make anyone uninsured, even if to park on them was illegal. The police can be called to anyone's property if a vehicle is obstructing their access from their premises.

The "White Crossover Bar Markings" in Preston on public road dropped kerbs are enforceable as a friend of mine can confirm as he received a ticket for parking on it, people with wheel chairs had complained that they could not access the pavement even when yellow lines painted on road so Council put these bars down and enforce them.

Rikki

Bossyboots wrote:

As I was typing my earlier response I was thinking about them doing random checks.

The difference between my situation and yours is that mine is either on the drive or it would have to be on the street where it would be a greater risk of damage.

On your drive instead of in your garage is a far less extra exposure to potential damage than leaving it on the road so they can afford to be less stringent.

I might have been told the wrong thing mind you. It wouldn't be the first time.

I had the radio stolen from the car on the drive and I was covered.
If a random check was done they would be able to tell if a garage was used for a car or not.

nearlyrich

Our garage is full, bikes my stuff for work etc, but even if it wasn't it is riduculously difficult to get into so there would be more chance of damaging the car going in and out than leaving it outside. We realised a few years ago that we would soon have 4 cars so we converted the back lawn into a 3 car drive, 4th goes in front of the garage. DH no longer has to mow the grass and we get all our cars off a narrow access road.

Mark7799

Three cars in the house, only one garage. We all have to use the driveway as it would mean too much shuffling to use the garage.