Car being parked in my garage AND on the driveway - what do I tell the insurance company?

Goldwing1

So, I'm taking delivery of a new EV on Monday.

When it doesn't need a charge, it will be in my garage overnight.

When it does need a charge, it will be on the driveway. That's because the charger is outside of the garage. There's no point moving the charger into the garage because I won't be able to get to that side of the car AND open the drivers door to get in and out of the car.

The online form asks for one or the other so I guess I'll need to talk to a real person?

Nobbie1967

Presumably it asks where it is usually parked? If you only charge it once or twice a week, then you will usually park it in the garage.

glennevis

If you have declared your vehicle is garaged check your policy wording. My insurance policy specifically states:

"Theft cover is excluded in the event of the insured vehicle not being kept in a locked garage between the hours of 10pm and 6am whilst parked at your home address as last notified to us."

eddddy

Perhaps the best option is to declare the "worst case" risk.

So if parking on the drive is higher risk than parking in the garage, declare that you park on the drive.

Then, for example, if the car is stolen whilst parked on the drive, there should fewer problems with the claim.



But anecdotally, some people have reported that they are quoted higher premiums if they say they park in their garage - so that's actually considered a higher risk.

That's probably because the AI based risk assessment has found that 'the type of people who park their car in garages, are the type of people who make more insurance claims'.

It might not be directly because of claims related to parking in a garage - but perhaps just the worse driving style, mindset, etc of people who typically park in garages.