Flat car park gates voiding car insurance

comex.matt
comex.matt Posts: 8
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edited 8 November 2023 at 1:53AM in Insurance & life assurance
Bit of a weird one, I live in a block of flats with a private car park which have gates that are opened with a fob.

They have been broke (stuck open) for around 3 months now as the management company are struggling to find cheap enough quotes to fix.

Mine and my partners car insurance are down as cars being parked in a secured car park. 

If our cars were stolen or damage, would the fact the gates are broken void our car insurance? Or affect any claims? 

Thanks 

Comments

  • DullGreyGuy
    DullGreyGuy Posts: 9,184
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    If our cars were stolen or damage, would the fact the gates are broken void our car insurance? Or affect any claims? 
    Possibly, given the duration... insurers don't expect you to park your car in the same place for the 365 nights that the policy covers but you are asked to declare where it's normally kept. Clearly at some point your normal ceases to be a secure carpark if it's no longer secure. 

    Your safest bet would be to speak to your broker/insurer and advise them of the situation and take their advices on if it is ok to leave it as a secure carpark given its a temporary situation or if it should be changed to residential carpark (or whatever their equivalent option is) until the gates are fixed. 
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