Insurance: Where is car kept overnight?

facade

Easier to steal from garage, they can work undisturbed.
It is usually even cheaper parked on the road. If the key relay people don't know which house to stand outside, it is more difficult to steal. (I'd have thought there are more claims for cars run into on the street, but what do I know about risk?)

Penelopa.Pitstop

I declared one car as kept in the garage, one on driveway, but alternate them, depending on which one I drive. Only one driveway space in front of the garage, and no road parking

I asked insurance about declaration of keeping it in the garage, and they said: "most of the time". I asked couple of times, to make sure it's recorded. BTW, declaring it as garaged, decreased insurance by £90 (annualy).

If I knew it would be cheaper, I would declare it as garaged last year, when it was only one car in the household and it was in garage 95% of the time.

Lorian

I keep mine in the garage most of the time in winter and on the drive most of the time in summer.

Ergates

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).

How frequently is "sometimes"? Once a year? Once a month? Once a week? 3 days a week?

EdGasketTheSecond

I have same problem, driveway or road. As we have two cars sometimes one gets left on the road so the other one can get out/in. I decided it was safest to say they are both kept on the road, then if some hit and run drives into one while on the road, the insurance can't turn round and say they aren't paying out as it should have been on the driveway.

Robby1988

'Street outside home' is usually the best option to pick, even if you do have a drive. Imagine one night you leave your car on the road because you have a skip on the drive or whatever, then sods law the car gets nicked that night.

For keyless cars, this can actually reduce your premium because thieves don't necessarily know which house the car belongs to.

Mercdriver

Robby1988 wrote: »

'Street outside home' is usually the best option to pick, even if you do have a drive. Imagine one night you leave your car on the road because you have a skip on the drive or whatever, then sods law the car gets nicked that night.

For keyless cars, this can actually reduce your premium because thieves don't necessarily know which house the car belongs to.

Have you not read the numerous threads on here about not being able to park outside your own home? There are good odds that in the majority of cases, the car is parked outside the owner's home.

walwyn1978

davemorton wrote: »

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.

This. I spoke to an insurance specialist about car insurance and they said that particularly with newer builds the garages are very tight, especially for bigger cars (why that is I don’t know, probably cost saving) and thus car in garage = increased risk of damage on way in/out based on the algorithm some companies use.

As an aside, my BIL can’t get his car in the garage of his new build, as it’s too narrow.

facade

walwyn1978 wrote: »

the garages are very tight, especially for bigger cars (why that is I don’t know, probably cost saving)

Like the "standard" parking space, the "standard" garage is based on the measurements of the "standard" car- the Austin 7 Ruby

Penelopa.Pitstop

walwyn1978 wrote: »

This. I spoke to an insurance specialist about car insurance and they said that particularly with newer builds the garages are very tight, especially for bigger cars (why that is I don’t know, probably cost saving) and thus car in garage = increased risk of damage on way in/out based on the algorithm some companies use.

As an aside, my BIL can’t get his car in the garage of his new build, as it’s too narrow.

Apparently Admiral has different risk calculation. Declaring my car as kept in garage was cheaper and I have big car. I would never buy a house with a garage that's too small for a decent car.