Insurance: Where is car kept overnight?

Supersonos

Most of the time I keep it in the garage, but sometimes I just leave it on the driveway (usually when I mean to put it away but get drunk and forget).

If I tell the insurance company I keep it in the garage, what happens if it gets knicked from my driveway?

foxy-stoat

Supersonos wrote: »

Most of the time I keep it in the garage, but sometimes I just leave it on the driveway (usually when I mean to put it away but get drunk and forget).

If I tell the insurance company I keep it in the garage, what happens if it gets knicked from my driveway?

Just say its kept on the drive, that way you cant go wrong. If you say its kept in a locked garage and it gets pinched off the drive you will have to confirm why it wasnt kept where you said it was kept, being drunk and forgetting may not be a good reason.

Aylesbury_Duck

foxy-stoat wrote: »

Just say its kept on the drive, that way you cant go wrong. If you say its kept in a locked garage and it gets pinched off the drive you will have to confirm why it wasnt kept where you said it was kept, being drunk and forgetting may not be a good reason.

:rotfl:
...

Ganga

Why not put it in the garage before you go for a drink,will keep your insurance premiums down and give you peace of mind.

Supersonos

Ganga wrote: »

Why not put it in the garage before you go for a drink,will keep your insurance premiums down and give you peace of mind.

Because I'm human and sometimes forget.

Soot2006

I recently moved my car from "driveway" to "roadside" ... My insurance went up by £0.45 for the remaining 6 months of the insurance year. A whole 45 pence. They took it, too. Surely it costs them more in handling?

Astrozombies

When I worked nights I told the insurance my car was kept in a locked compound most nights. I also said that sometimes I walked work so then it was on the road outside our house. They said ok, no probs.
Just tell them it's usually in garage but not always.

Scrapit

Usually kept. Usually. Key word. Answer honestly and you'll be fine.

Sea_Shell

In extreme circumstances they might send a claims investigator to interview your neighbours....would they confirm that usually it is garaged?

But no, they wouldn't refuse a claim just because it wasn't garaged...if it usually IS!!

You may not have an excess to pay if stolen from locked garage...check your policy.

My old car was garaged (and insured as such), and I'd estimate it got left out maybe once a month!!

davemorton

My quote was cheaper being left on the drive than in the garage. I reasoned that they got a few claims from people damaging their cars putting them into the garage.

giraffe69

+1 for the above. The driveway is often cheaper. Imagine in OP's drunkens state they do put it in the garage, damage a wing by scraping it against the side of the garage and then knock over four paint cans, three bags of fertiliser, two bottles of turpentine and a partridge in a pear tree. Easy to see why the garage might be a bigger insurance risk.