scoobyfella

This one is for the clued up insurance guys.

Scenario:

If a car is insured to be kept in a garage overnight, at the registered property, and it is then left on the road outside the house, if somerthing happened to it, e.g. stolen or crashed into I guess the insurance company would legally try to get out of paying out.

However, if we use the same above scenario with the car insured to be kept in the garge (for a cheaper premium) but we park it on the road outside a neighbours house (not outside your own home) and it is hit or stolen would the insurance company have to pay out as the car is parked away rom your home address?

There isn't any clauses in the policy which state how many nights a year your car can be parked away from the registered property and left overnight!

Would doing this therefore not invalidate the insurnace cover?

Thanks in advance for any replies.

Cheers.

Scoobyfella

scoobyfella

No thoughts on this guys?

Moley

iTrader: (9)

If the car is insured as being garaged it will have to be kept in a garage within a certain area of the home address.

If you kept it on the street outside that area you'd need to be careful, as if it was stolen the insurers would probably look into how often it was kept out a garage. Some might even refuse to pay out at all.

Depends who you're insured with.

alpha charlie

My policy states in bold that its not insured within one mile of the home address if parked overnight out of the garage.

Hope that makes sense

AC

scoobyfella

Thanks guys. This isn't something I'm doing, but i'm suspicious that someone that lives near me is doing, cause for some reason the guy never parks his car outside his house even when no other car is parked there. Couldn't think of another reason other than dodgy insurance.

Cheers

mal_howarth

Maybe fooling the thieves into thinking the car keys are in a neighbours house