Insurance gripe / question
Discussion
One for those in the insurance business.
I am in the process of knocking down my existing garage to replace it with one that is wider and longer (and doesn't leak
)
At present my Elise lives there and during the build I want to garage it at my parents house (about half a mile away so almost the same postcode). They have a large garage attached to the house which is fully alarmed and represents a better and safer environment than my drive.
To my surprise the insurance company will not under any circumstances insure it overnight in my parents garage but are happy to change my policy from 'garaged overnight' to 'parked on a drive overnight' for no additional premium.
Is this typical or is it just my own insurance company being awkward?
Is it worth pushing harder with them?
I am in the process of knocking down my existing garage to replace it with one that is wider and longer (and doesn't leak
)At present my Elise lives there and during the build I want to garage it at my parents house (about half a mile away so almost the same postcode). They have a large garage attached to the house which is fully alarmed and represents a better and safer environment than my drive.
To my surprise the insurance company will not under any circumstances insure it overnight in my parents garage but are happy to change my policy from 'garaged overnight' to 'parked on a drive overnight' for no additional premium.
Is this typical or is it just my own insurance company being awkward?
Is it worth pushing harder with them?
The insurance company don't want the car kept somewhere other than your home address, hence no to the parents garage.
The insurance company see the driveway is no less risky - the marginal additional theft risk is presumably outweighed by the reduced risk of you damaging the car taking it into and out of the garage.
Both perfectly logical.
The insurance company see the driveway is no less risky - the marginal additional theft risk is presumably outweighed by the reduced risk of you damaging the car taking it into and out of the garage.
Both perfectly logical.
ant leigh said:
To my surprise the insurance company will not under any circumstances insure it overnight in my parents garage but are happy to change my policy from 'garaged overnight' to 'parked on a drive overnight' for no additional premium.
Is this typical or is it just my own insurance company being awkward?
Is it worth pushing harder with them?
Insurers get twitchy about the vehicle being parked else where for a couple of reasons firstly I bet their computer systems struggle, and how would they weight the risk? You claim you are parking it in your parent's garage but it gets stolen off your drive. Secondly because in theory any theft could take time to be detected, an unexpected empty space on the drive or damaged garage door will be spotted in normal day to day life, but your car not being in a garage you only go to ocassionally would only be detected when you went to pick it up.Is this typical or is it just my own insurance company being awkward?
Is it worth pushing harder with them?
On the other hand we had two of three bikes stolen the week before last - the third was damaged in the attempt.
The insurance were more than happy to have me move the bike, the OHs R1, to a friends garage several miles away. Where it is staying until I've finished beefing up (machine gun nests, nuclear war sirens etc) the garage.
The insurance were more than happy to have me move the bike, the OHs R1, to a friends garage several miles away. Where it is staying until I've finished beefing up (machine gun nests, nuclear war sirens etc) the garage.
This has got me thinking.
When you fill in the proposal for an insurance quote and they ask you where the car will be kept overnight, do they mean 365 days of the year ?
What if you go away for a couple of nights, or longer, and take the car ?
Hypothetically, if you were out and about and decided to drop in, on the way home, to see the parents, then you were invited to stay for a meal and have a couple of drinks then decided to leave the car there overnight due to being inebriated, would it not be insured ?
When you fill in the proposal for an insurance quote and they ask you where the car will be kept overnight, do they mean 365 days of the year ?
What if you go away for a couple of nights, or longer, and take the car ?
Hypothetically, if you were out and about and decided to drop in, on the way home, to see the parents, then you were invited to stay for a meal and have a couple of drinks then decided to leave the car there overnight due to being inebriated, would it not be insured ?
It's not impossible to insure a car at a different address - I've done it myself in the past.
A few years ago I temporarily moved in with my then GF while we looked for a house together - she had no garage. I stored my car (coincidentally, an Elise) in her parents' garage for a while and, later, at a lockup about half a mile away.
I informed my insurers and they had no issue at all, I don't remember there even being a charge for it. Unfortunately I can't remember who the insurers were, but it would have been someone Elise & trackday friendly - might well have been REIS...
A few years ago I temporarily moved in with my then GF while we looked for a house together - she had no garage. I stored my car (coincidentally, an Elise) in her parents' garage for a while and, later, at a lockup about half a mile away.
I informed my insurers and they had no issue at all, I don't remember there even being a charge for it. Unfortunately I can't remember who the insurers were, but it would have been someone Elise & trackday friendly - might well have been REIS...
WDfensF said:
This has got me thinking.
When you fill in the proposal for an insurance quote and they ask you where the car will be kept overnight, do they mean 365 days of the year ?
What if you go away for a couple of nights, or longer, and take the car ?
Hypothetically, if you were out and about and decided to drop in, on the way home, to see the parents, then you were invited to stay for a meal and have a couple of drinks then decided to leave the car there overnight due to being inebriated, would it not be insured ?
That's right, you wouldn't be insured. If you say your car is garaged, it must be garaged 365 days a year. You can never leave it at an airport car park, nor stay overnight with friends or family unless they are prepared to let you have their garage. In fact, you can't even stay out late.When you fill in the proposal for an insurance quote and they ask you where the car will be kept overnight, do they mean 365 days of the year ?
What if you go away for a couple of nights, or longer, and take the car ?
Hypothetically, if you were out and about and decided to drop in, on the way home, to see the parents, then you were invited to stay for a meal and have a couple of drinks then decided to leave the car there overnight due to being inebriated, would it not be insured ?
FFS!!!!
TwigtheWonderkid said:
That's right, you wouldn't be insured. If you say your car is garaged, it must be garaged 365 days a year. You can never leave it at an airport car park, nor stay overnight with friends or family unless they are prepared to let you have their garage. In fact, you can't even stay out late.
FFS!!!!
Exactly FFS!!!!
If your car was left in your parents garage and something happened to it, then that could have been the night you left it there..... if you know what I mean.
WDfensF said:
Exactly
If your car was left in your parents garage and something happened to it, then that could have been the night you left it there..... if you know what I mean.
except here's the issue if you get a policy and for over 50% the time the policy has run the car is parked on your parent's drive if it is stolen from there then it would be hard to prove it wasn't deception.If your car was left in your parents garage and something happened to it, then that could have been the night you left it there..... if you know what I mean.
Imagine you bought a new car and a new policy in the first month you go on holiday for 3 weeks and leave your car at your parent's for safety if it was stolen from there it would be hard to prove you intended to park it in the location you told the insurer.
jimbobs said:
It's not impossible to insure a car at a different address - I've done it myself in the past.
A few years ago I temporarily moved in with my then GF while we looked for a house together - she had no garage. I stored my car (coincidentally, an Elise) in her parents' garage for a while and, later, at a lockup about half a mile away.
I informed my insurers and they had no issue at all, I don't remember there even being a charge for it. Unfortunately I can't remember who the insurers were, but it would have been someone Elise & trackday friendly - might well have been REIS...
I guess a more Elise friendly insurance would have helped. Don't get me wrong, parking on my drive as it costs no extra is a lot more convenient and useable than walking up to my parents every time I want to take the Elise out, but I genuinely feel that my parents garage is the safest place to keep it until my new garage is finished.A few years ago I temporarily moved in with my then GF while we looked for a house together - she had no garage. I stored my car (coincidentally, an Elise) in her parents' garage for a while and, later, at a lockup about half a mile away.
I informed my insurers and they had no issue at all, I don't remember there even being a charge for it. Unfortunately I can't remember who the insurers were, but it would have been someone Elise & trackday friendly - might well have been REIS...
Especially as I had a car stolen from my drive 18 months ago.
I added commuting to the insurance and this also cost nothing. It was annoying that it was not included from the start. Why the hell does the insurance company exclude something like commuting that you may very well need in the future that costs nothing to add???
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