colind

All,

Debating a few things, one of which is the building of a garage. Plan is for the side of a semi-detached, which is tripple length, but I don't wanta double length garage (many reasons).

So my cunning plan is to build the garage at the rear and have it naturally extend to the car port (leaving one car length before road), which in turn is secured by a gate. Now for insurance purposes, would this count as a garage? I think it's a close call and a 6 inch iron bar to high security padlock is better than most garage doors IMHO...

Thoughts and thanks in advance,
Colin.

Jerry*

Hi there,

It would depend upon the opinion of the insurer concerned. Some may agree with you and say its okay, others may say that if it ain't a garage then it'll have to be classed as being kept on the drive.

If a car was parked in there, would it be out of sight of the main road or from the top of the drive ?

Some insurers want cars garaged not just because of the additional security of a garage but also because if its out of sight the opportunist thief may not know its there.

Don't just assume that an insurer would treat the car as being garaged - have a word first.

Hope this helps...

Cheers.

John

colind

Thanks Jerry, thats roughly what I figured.

Was hoping maybe there was some sort of "trend" TBH the only visible bit will be the clear roof (they would need to be 7'+ to see in. the differences in insurance actually do not cover the cost of the lock, let alone the gate, but it more than offsets the hassle of waking up to the sound of your pride and joy leaving you.

Blobster

I have a carport with a retractable security post in front of it. Like you say - more solid than typical garage doors.
Insurer's said on yer bike. Car classed as being parked on driveway - go figure.
Perhaps it's the lack of solid walls.

However did you know that some insurers add extra onto premium if you DO have a garage because a thief will have more time to work on your car unnoticed once inside a garage.