Car Insurance amendment re parking.

DullGreyGuy

Ditzy_Mitzy said:

It'll be worth updating.  I did similar when I moved from a house with a drive to a maisonette with allocated spaces within a residents only car park.  Made no difference to the premium from memory.

In the world of claims I imagine it's very much a case of swings and roundabouts.  Cars parked on drives are more likely to be scraped on walls, whereas cars in car parks are more likely to be bumped by other residents.  The postcode will no doubt have a more profound effect than the type of parking.  

In my day it made almost no difference, when you add to that the proportion of people who lie and say they keep it in their garage but when you turn up their garage cant fit a mouse let alone a car with the amount of junk or some didnt even have a garage then we actually removed the question as a waste of time. 

These days it may be a bit different given the theft of keyless cars using repeaters, the car on the driveway makes it easier to know which house to target if you've got taking a certain makes car down to a fine art. That said our neighbours park on the street and not in their residential parking space and their car was stolen from across the road and 3 doors down by using a repeater so clearly they can work it out. 

user1977

DullGreyGuy said:

lindos90 said:

user1977 said:

It isn't a "driveway" by any normal definition. These are the options on one of the comparison sites:

Driveway - This should be the policyholder’s driveway.

Road - Any road parking where a permit isn’t required.

Residential parking - Parking that’s been designated for residents to use by the local council. Usually involves holding a parking permit.

Secure car park - Usually fenced all the way around and accessed by a gate using a key or code.

Car park - An open or covered car park that doesn’t have security, whether you paid for parking or not. NCPs or council car parks would normally fall into this category.

so I think "car park", assuming it isn't secure.

Thanks user1977, it looks like it falls somewhere between residential parking (he will get a residents permit but it's not provided by the council) and a car park (but it's only for residents, not a public car park) 
It's definitely where the property is allocated a specific numbered car park slot, it's not a 'first to park gets the best choice where they park' your help is much appreciated x

Residential parking is intended to be a private car park for residents only.... on street parking requiring a parking permit is still on street parking. The chances of a muppet misjudging the gap and hitting a car on the road doesnt change just because the car has a permit in the window. 

Yes, I didn't really understand the distinction from insurers' point of view (and haven't seen it previously when insurance-shopping).

Around me it's a permit zone - but the restrictions don't apply at evenings and weekends, so would that make it "road parking where a permit isn't required" if I wasn't parking during the day?

lindos90

GrumpyDil said:

@lindos90

Not wishing to worry you but who is the permit issued by? If it is a private parking company you might want to read some of the threads on the parking forums. That is one thing that would put me off a property unless it was clear I was not accepting the private parking firms intervention.

AFAIK, it's issued by the management company (who he will be paying his maintenance/service charges to). I'm not sure if it will be a permit he puts in his windscreen or not though. I don't believe they employ anyone to patrol/hand out parking charge/notices, there's certainly not anything in the accounts to indicate that they pay anyone to patrol. It's worth mentioning though, as that would be a nightmare!

DullGreyGuy

user1977 said:

DullGreyGuy said:

lindos90 said:

user1977 said:

It isn't a "driveway" by any normal definition. These are the options on one of the comparison sites:

Driveway - This should be the policyholder’s driveway.

Road - Any road parking where a permit isn’t required.

Residential parking - Parking that’s been designated for residents to use by the local council. Usually involves holding a parking permit.

Secure car park - Usually fenced all the way around and accessed by a gate using a key or code.

Car park - An open or covered car park that doesn’t have security, whether you paid for parking or not. NCPs or council car parks would normally fall into this category.

so I think "car park", assuming it isn't secure.

Thanks user1977, it looks like it falls somewhere between residential parking (he will get a residents permit but it's not provided by the council) and a car park (but it's only for residents, not a public car park) 
It's definitely where the property is allocated a specific numbered car park slot, it's not a 'first to park gets the best choice where they park' your help is much appreciated x

Residential parking is intended to be a private car park for residents only.... on street parking requiring a parking permit is still on street parking. The chances of a muppet misjudging the gap and hitting a car on the road doesnt change just because the car has a permit in the window. 

Yes, I didn't really understand the distinction from insurers' point of view (and haven't seen it previously when insurance-shopping).

Around me it's a permit zone - but the restrictions don't apply at evenings and weekends, so would that make it "road parking where a permit isn't required" if I wasn't parking during the day?

At the end of the day unless the insurer has help text or such when answering the question then you just need to take it and the options at face value and not try to over think it. As long as the average person could agree your response is reasonable then you'll be fine. 

Personally if I was parking on a road that required a permit at some point of the day then I'd select its on street parking requiring a permit  but I am sure you could also argue regular on street parking if you always park outside of permit hours.

Clearly what will peak an insurers interests is when you do quotes with both options and then choose the cheapest.