Car Insurance Parking Options

kooplah

Hi,

I'm not sure what insurers would class my parking space as so hopefully someone can help. I live in a small block of flats, there's another block just opposite with a car park in between the two. There's 8 parking spaces in it and the gates are always left unlocked. I'd have thought it would be residential parking but not all comparison sites have that option, so would it be an open public car park? What exactly is an unlocked compound as well? I've just passed my test and trying to look up quotes for my budget so I know what car to get, every penny counts!

Thanks

chrisw

There doesn't seem to be much logic to it. My daughter works night shifts at a local hospital and it was cheaper for her to say it was kept at night on a public open car park than it was to say it was kept on the driveway.

panika

Hi, I have the same situation like OP.
My car is kept overnight on residental car park (no allocated space and no lockable gates). On my car insurance policy with T**co it appears as kept overnight on the road.
I phoned my insurer to clear it up; advisor on the phone said that if there is no lockable gate and allocated parking spaces it classes as a road (not even driveway:(.

I work in hospital, but I wouldn't put it on my insurance, unless i was working nights(I would ask insurers first).

OddballJamie

I'm with T**co too and even though I park on my own driveway in front of my garage, I selected road parking, just on the off chance I left it on the road and someone bumped or pinched it. Didn't make any difference to my policy price or excess.

daveyjp

OddballJamie wrote: »

I'm with T**co too and even though I park on my own driveway in front of my garage, I selected road parking, just on the off chance I left it on the road and someone bumped or pinched it. Didn't make any difference to my policy price or excess.

Why tell them something which isn't true? You are under duty to tell them where it is 'usually' parked overnight.

As a contract of upmost honesty anything told which isn't true gives the company an opportunity to make a claim awkward.

rev_henry

daveyjp wrote: »

Why tell them something which isn't true? You are under duty to tell them where it is 'usually' parked overnight.

As a contract of upmost honesty anything told which isn't true gives the company an opportunity to make a claim awkward.

I think he's thinking the insurer may refuse to pay out if nicked from the road but is declared as on the driveway, thinking that driveway is lower risk than parked on road. In fact the opposite is true - parked on road is cheaper for me.