street parking? - Civinfo
 
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post #1 of 20 (permalink) Old 7th July 2012, 00:17 Thread Starter
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street parking?

On my insurance I told them I park in driveway, but apparently some people tell me it is better if I told my insurance company that I parked in the street as this decreases the chance of house being burgled and burglars stealing car keys hence lower insurance. Is it true? I'm looking to change my details next year as I'm moving and I do have optional street parking. Can anyone confirm?
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post #2 of 20 (permalink) Old 7th July 2012, 00:21
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FrankstaH might be able to advise but the easiest thing to do would be get online and do a couple of quotes, one with driveway and another with street parking.
Sounds like nonsense to me but insurance is an odd business!
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post #3 of 20 (permalink) Old 7th July 2012, 00:23
 
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Quote:
Originally Posted by Syx View Post
FrankstaH might be able to advise but the easiest thing to do would be get online and do a couple of quotes, one with driveway and another with street parking.
Sounds like nonsense to me but insurance is an odd business!

+1
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post #4 of 20 (permalink) Old 7th July 2012, 00:25
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As mentioned, get quotes with the different parking locations and in see what comes up!
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post #5 of 20 (permalink) Old 7th July 2012, 00:34
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Just did two quotes, identical except one was "Street Parking" at night and the other was "Driveway" at night.

The "Street Parking" quote was 24.38 LESS!

Shows what I know about insurance...
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post #6 of 20 (permalink) Old 7th July 2012, 03:29
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My god, that's crazy isn't it, another tip to cheapen insurance, cheers lol
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post #7 of 20 (permalink) Old 7th July 2012, 11:14
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Different insurers will apply their risk/premium calculations in different ways, and possibly even different premium calculations for different regions.

One insurer may have give a reduction for street parking, another for off street parking. Even different insurance brands within the same parent company might not apply their logic consistently.

My premiums with my previous insurer were the same for on street, off street and garage parking. That was for outer London, the same logic *might* not apply everywhere else.

You might expect garage parking to be the least risky of all options, but not all insurers agree. Possible scrapes getting in/out of the garage, the likelihood of objects from the garage falling on the car etc.
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post #8 of 20 (permalink) Old 7th July 2012, 11:25
 
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Hi Everone,

It's still a bit of a mixed message from the numerous respective Underwriters that we deal with.

Most of the high performance, specialist (kit, Classic, custom) and modified Insurers still prefer the vehicle to be garaged, or on a driveway and cringe at the thought of the vehicle being located on the road over night (particularly in high risk areas).

We have noticed a handful of everyday Insurers offering better terms for on street locations, which can only be due to the reduction in theft due to a thief potentially not knowing which home to steal the keys from.

This would however be offset by a heightened chance of vandalism or theft of parts.

Kind regards

Tony
post #9 of 20 (permalink) Old 9th July 2012, 05:21 Thread Starter
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Thanks for the reply guys. This has certainly offered me more insight. Wonder which areas are high risk, luckily I don't think I'm in one of them. Think I'm paying way too much! My bro drives exact same car with same NCB and same area but paying 200+ less than me only difference is he added his spouse!
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post #10 of 20 (permalink) Old 9th July 2012, 06:21
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Think a few years back I got about 70-100 off because of on street parking.
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post #11 of 20 (permalink) Old 9th July 2012, 12:10
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What would happen if you said on your insurance you park on street, but you park on your driveway and it gets stolen? Would your insurance be void?
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post #12 of 20 (permalink) Old 9th July 2012, 12:36
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Quote:
Originally Posted by Alanok View Post
What would happen if you said on your insurance you park on street, but you park on your driveway and it gets stolen? Would your insurance be void?
Why would you be dishonest enough to lie about where you park your car but then be honest enough to own up to parking on the driveway? Wouldn't you just say it was stolen off the street? how would they know where it was stolen from?
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post #13 of 20 (permalink) Old 9th July 2012, 12:38
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Originally Posted by NighthawkES View Post
Why would you be dishonest enough to lie about where you park your car but then be honest enough to own up to parking on the driveway? Wouldn't you just say it was stolen off the street? how would they know where it was stolen from?
Who said anything about being dishonest

What happens if your sister normally parks on the drive and you normally park on the street and your sister goes away for the weekend so you park on the drive and your car gets stolen
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post #14 of 20 (permalink) Old 9th July 2012, 13:28
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I noticed this a year or two ago when getting insurance for the ST. The difference between being kept in the garage overnight and being parked on street overnight was about 80!!!

I now declare my car as being 'on street'. In my opinion that would be the worst case. I'd hate to think I had it declared as garaged and it got lifted from the drive/street the one night I couldn't garage it!
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post #15 of 20 (permalink) Old 9th July 2012, 13:34
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Quote:
Originally Posted by -Mick- View Post
I noticed this a year or two ago when getting insurance for the ST. The difference between being kept in the garage overnight and being parked on street overnight was about 80!!!

I now declare my car as being 'on street'. In my opinion that would be the worst case. I'd hate to think I had it declared as garaged and it got lifted from the drive/street the one night I couldn't garage it!
I think the insurance would still be valid if you had to park your car on the street cos' you had just taken the delivery of a new bathroom suit and it was being stored in your garage for a week or so.

What I can't see the insurance being happy about is that if you declare that you park on the street and then put in a claim cos' the garage ceiling fell on your car.
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post #16 of 20 (permalink) Old 9th July 2012, 13:40
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Originally Posted by NoNumpty View Post
I think the insurance would still be valid if you had to park your car on the street cos' you had just taken the delivery of a new bathroom suit and it was being stored in your garage for a week or so.

What I can't see the insurance being happy about is that if you declare that you park on the street and then put in a claim cos' the garage ceiling fell on your car.

This is the reason I thought it was more expensive. So many people have loads of stuff crammed into the garage there is a fair chance that the will either a) hit the wall or something b) something fall on car.

To be honest, I've got stuff hanging up and stored around the car. However, the chances I'd put a claim in for damage caused my me hitting something or the lawnmower falling on my bonnet are very slim, I'd rather not have a claim sitting on my policy as even with NCBP it would still go up.
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post #17 of 20 (permalink) Old 9th July 2012, 13:44
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Quote:
Originally Posted by -Mick- View Post
I now declare my car as being 'on street'. In my opinion that would be the worst case. I'd hate to think I had it declared as garaged and it got lifted from the drive/street the one night I couldn't garage it!
Quote:
Originally Posted by -Mick- View Post
To be honest, I've got stuff hanging up and stored around the car. However, the chances I'd put a claim in for damage caused my me hitting something or the lawnmower falling on my bonnet are very slim, I'd rather not have a claim sitting on my policy as even with NCBP it would still go up.
So what you are saying is - you are telling the insurance company one thing then doing another - I hope the insurance company doesn't find out or you may be in for a bit of bother
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post #18 of 20 (permalink) Old 9th July 2012, 14:10
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So what you are saying is - you are telling the insurance company one thing then doing another - I hope the insurance company doesn't find out or you may be in for a bit of bother
Not really no.

I tend to park wherever to be honest! If the car is nice and clean or kids are booting their football about the street it goes in the garage, if it's dirty and there are no kids about it stays on the drive.

Or at the moment I'm staying at the parents house for a couple of weeks whilst they are away so it stays on the drive or on street.

The question of where a car is kept at night is a rather silly one anyway - I used to work a 3 shift pattern that changed every week, meaning I could be parked at work in the middle of the night. I didn't see my insurance company asking for my shift pattern for the year ahead!
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post #19 of 20 (permalink) Old 9th July 2012, 15:13
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i thought usually on garage and drive way is cheaper. but yes if you state you park on garage over night , and you parked on driveway gets stolen over night , you are not covered.
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post #20 of 20 (permalink) Old 10th July 2012, 18:37
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Quote:
Originally Posted by NoNumpty View Post
Who said anything about being dishonest

What happens if your sister normally parks on the drive and you normally park on the street and your sister goes away for the weekend so you park on the drive and your car gets stolen
OK I take your point. You never mentioned being dishonest, if it came across as an insult, it wasn't intended to sound that way. ... although what i said about the insurance company not being able to tell wether or not your car was stolen from the drive or off the road still applies.
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