Parking of car - Insurance

[Juanco20]

Another insurance related thread from me

Just noticed that my insurance would be £40 cheaper if I was to park my car on the road instead of the driveway

This seems the wrong way round to me. Or am I missing something?

[Bohally]

I've always thought if its parked on the road, the pie keys have to work out which house to break in to steal the keys. Surely more chance of somebody hitting it when its parked on the road though.

[RevHappy]

Juanco20 said:

Another insurance related thread from me

Just noticed that my insurance would be £40 cheaper if I was to park my car on the road instead of the driveway

This seems the wrong way round to me. Or am I missing something?

On the driveway shows which house to break into to steal the keys.

[Juanco20]

Oh and if parked in the garage, it goes up £200

And a residential parking area is the cheapest of the lot

[Jimmy No Hands]

On the road is cheaper than garage and drive. Funny isn't it. Also stating your car has NO security features is cheaper than saying it has an immobilizer.



Whut.

[McSam]

Juanco20 said:

Oh and if parked in the garage, it goes up £200

And a residential parking area is the cheapest of the lot

Again, it's all about theft - if it's in the garage, thieves can close the door behind them to work on the car and possibly get away without even needing the keys.

[RevHappy]

So a gated residential underground car park should give the cheapest quote.
Off street, some extra security and they don’t know exactly where you live

[falkster]

Locked garage has just added £20 to my random test quote.

£715 on the road
£715 on the drive
£735 in the garage

[722Adam]

If stolen from a garage I imagine the payout will also have to cover damage due to breaking in to the garage, resulting in a bigger claim. Just a thought?

[Jimmyarm]

Certain demographics have a tendency of crashing into the garage whilst parking

[falkster]

Jimmyarm said:

Certain demographics have a tendency of crashing into the garage whilst parking

Ha ha ha ha!!! You've met the wife?

[Otispunkmeyer]

Perhaps the best place to leave your car is at the back of a tesco car park, all the doors wide open and the keys in the ignition!?

[Robb F]

Otispunkmeyer said:

Perhaps the best place to leave your car is at the back of a tesco car park, all the doors wide open and the keys in the ignition!?

Statistics suggest very few cars are stolen like this, therefore, low risk

[Accelebrate]

I always assumed it was skewed by most people selecting what they think 'sounds' best, rather than any logic about thieves knowing where you live or garages collapsing and so on.

[falkster]

Otispunkmeyer said:

Perhaps the best place to leave your car is at the back of a tesco car park, all the doors wide open and the keys in the ignition!?

It'll save them breaking into the house.

[ZOLLAR]

Accelebrate said:

I always assumed it was skewed by most people selecting what they think 'sounds' best, rather than any logic about thieves knowing where you live or garages collapsing and so on.

You're actually correct, the arguement for break ins to the garage and people claiming after bumping into their garage is a valid point but yours is equally so.

[Deva Link]

ZOLLAR said:

Accelebrate said:

I always assumed it was skewed by most people selecting what they think 'sounds' best, rather than any logic about thieves knowing where you live or garages collapsing and so on.

You're actually correct,....

So basically insurance companies don't believe what the customers say?

I've come across this issue, although in our case the difference was small. I know it's done by dumb computers, but it just seems insane to me.

Selecting class 1 business use was cheaper than SD&P and Commuting on my daughter's car.

[jason s4]

Mine is the same on a drive, on private property (?) or on the road.

[ZOLLAR]

Deva Link said:

ZOLLAR said:

Accelebrate said:

I always assumed it was skewed by most people selecting what they think 'sounds' best, rather than any logic about thieves knowing where you live or garages collapsing and so on.

You're actually correct,....

So basically insurance companies don't believe what the customers say?

I've come across this issue, although in our case the difference was small. I know it's done by dumb computers, but it just seems insane to me.

Selecting class 1 business use was cheaper than SD&P and Commuting on my daughter's car.

No it's policy holders fiddling their quotes to get a cheaper price, everyone used to think parking in a garage would mean a lower premium even when they had no garage which means when all these people start claiming the stats show that people who park in a garage are higher risk.

[Deva Link]

ZOLLAR said:

No it's policy holders fiddling their quotes to get a cheaper price, everyone used to think parking in a garage would mean a lower premium even when they had no garage which means when all these people start claiming the stats show that people who park in a garage are higher risk.

Hmmm..OK. I'm struggling to believe that many people do it wrongly. The drive / road thing can be a bit random depending on who arrives home first etc, but it's a bit bleeding obvious if put garage and you haven't even got one. People might as well go the whole hog and put a lower rated address down.