I’m a car insurance expert – seven questions to ask and why parking in a garage doesn’t always save the most money
AN expert has revealed tips on how to keep car insurance premiums down and revealed that parking in a garage is not guaranteed to save you cash.
has also dispelled some of the misconceptions that surround car insurance premiums.
Kasey has revealed that one of these misconceptions concerns parking in a garage. Kasey provided a case study of a driver with a clean driving history.
The premium for parking her car in a garage was higher than parking
on a road in a driveway.
Kasey revealed this was because insurers were aware that burglars could easily steal a garaged car once they had broken into a house.
Kasey said that insurers were also aware that cars were no bigger and that many drivers might have accidents driving in or reversing out of old garages.
She said : "Insurers’ ratings are based on claims data, and due to the number of accidents that occur while parking in garages, they are seen as a riskier parking spot than on the road.
";Many garages in older houses were designed for the smaller cars that were popular decades ago, and can be too small for modern cars.
"Insurers may also take into account the fact that burglars have instant access to garaged cars once they’ve broken into a house, which might be a particular risk factor in areas with high numbers of break ins.
"Cars are bigger nowadays and getting into and out of a garage can be quite a squeeze and scraping the wing on a wall or dislodging a paint pot from a shelf above the car could lead to claims."
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The expert also discussed the relative merits of parking cars on a private driveway. Kasey said that cars parked on a driveway were less likely to be hit by a passing car.
However she also pointed out that cars parked on drives hidden by trees and shrubbery could be attractive for burglars and thieves.
She also points out that parking on a driveway might the best option if the local authority has a residential parking zone scheme in place.
And Kasey advises drivers to inform their insurers if they have a varied parking routine. Some drivers might parking in different spots at night if they live in flat with no car park.
She pointed out if that the driver lives in an area associated with crime and break-ins, parking a few streets away might be an option.
Her final point that a failure to provide an insurer with honest and accurate information could invalidate the policy.