rav123

iTrader: (1)

just curious how many of u park ur beloved sti/wrx/p1 etc etc on the driveway and how many store it in the garage?with the amount of imprezas being stolen, beginning to think that a good garage clearout to make way for mine is not such a bad idea!just the thought of the endless opening/closing of the garage doors puts me off, but probably worth it in the end. btw i live in the middle of b'ham right on the a38, so its forever busy-> car slightly less likely to be taken? getting the car friday afternoon STI PPP my05 cant wait, big jump from a golf 1.6!
rav

DanUK

In the locked garage with the work's Van backed right up to the garage door, both vehicles left in gear! Key's then upstairs in the bedroom overnight!

Can't be too sure these days!

Maz

iTrader: (34)

Luckily I live on a cul de sac and have my own parking at front and rear although no garage. If you have a garage use it, might be an option to consider electric doors. I certainly wouldn't park my car on the drive if I had a garage.

richs2891

Always makes me laugh the amount of people I see with garages that just leave the car outside !

And I'm willing to wager half of them tell their insurance its parked in the garage every night !

Prefer the Out of sight out of mind theory !!

Richard

pimmo2000

iTrader: (6)

Good idea until Bubba breaks in, kills your dog and demands the keys whilst kicking the **** outa you

ESH

I've got a garage at the back of the house. I wouldn't want to be parking the car there late at night as its very secluded.

I mainly use my driveway. Its more convenient.

Does anyone actually know the percentage of Imprezas stolen compared to say:

Corsa's
Saxo's
Clios
BMW's
Merc's
Evo's
ETC...

I didn't think it was that high.

Thre only car I have ewver had broken into was my First XR2 Mk2. No problems what so ever with Jap imports and I've had a few hot ones.

Esh

rav123

iTrader: (1)

yeah i think ill prob be parking it in the garage then...called up insurance, ill be paying the same amount whether i park it in the garage/driveway, so kept it as 'driveway' in the policy

T5OLF

iTrader: (4)

I leave mine in the drive, the garage is full of car bits etc, but have 4 security lights that come on and a staffie in the kitchen that hears everything. Plus my golf is normally parked behind the scoob so they would have to move that first.

[Davey]

You're lucky to get a lawn mower into the garage of a lot of modern houses, let alone a car!

SwissTony

iTrader: (19)

exactly, i do have a garage, but the path up the side of the house is just too narrow to get the car up it
plus the garage is fill of crap
so on the driveway she stays...........
wired up to the mains ...damm shouldnt have mentioned that

RMA26

I've got the luxury of a Garage (When my work situ is sorted, It'll house a Scooby)
Although, saying that it could be a tight fit!
It makes me laugh when you try an insurance company
Q - "Is the car garaged?"
A - "Yes"
You read so many magazines which tell you they base your quote on the type of area you live in, car crime etc. so what's the bleedin point asking about the garage when, it obviously doesn't effect your quote!

GU5

Just park it on the street outside someone else's house

kgt

iTrader: (1)

i used to work for an insurance broker and so check out things like this in my policies. Ive even seen one recently which said if you claim you car is garaged overnight and its nicked within a short distance of your home during the hours of darkness....then tough luck, you are not holding up your end of the contract. At the very least if yours is nicked off the driveway and you file a police report which doesnt include "garage broken into" you could be in rather hot water. Mine is garaged & alarmed with keys in my nightshirt crotch pocket. Cant be too careful, apparently.

RMA26

So where would you stand if the car was nicked outside (eg) your birds house?

corradoboy

Actually, Privilege just quoted me £3 more if kept on the driveway There is however the thought that if you state that you keep your car in a garage and then do not that you have supplied false information thus invalidating the policy. I had this conversation with a very reputable Subaru insurance specialist once and he stated that if you car was taken from within a mile of your house and was not garaged at the time that they would have to do a full investigation and potentially would void the policy and thus payment.

How much is your car worth compared to all the **** cluttering up your garage anyway

RMA26

So basically, if your motor was nicked outside your mates/birds house - you'd be screwed!?

kgt

iTrader: (1)

they'd probably go back to the wording in the policy. if it said "garaged at the policyholders address" then you'd be out of pocket. its not in all policies, but it is in some - particularly if you are getting a small discount for stating its garaged (sometimes just reduced theft excess) it can also depend on the broker / underwriter and how lenient they are prepared to be. the usual conclusion is academic, they are in business not charity and you signed a contract when you filled out your proposal form. i know the policy doc isnt a rip roaring read, but its better to know where you stand. get it read and ask some very direct questions of your broker if you think its ambiguous.

RMA26

Interesting - I will definitely bare this in mind at insurance time

SwissTony

iTrader: (19)

if it was your birds' house, then both of you would be screwed
(technically)

sorry just lightening the mood

corradoboy

As I said, the guy I spoke to said it would be considered fair and reasonable that if you are within a mile of your house then you can park the car in the garage and walk to where you want to be. Beyond a mile then you can leave the car wherever you like.

richs2891

err Brand new house Finished March 2006 - Scooby fits fine in the garage.
Do miss my old house's double garage though !

Its just laziness on most people part !

Richard

Big Den

Apparently not. This wording was included specifically in my wife's new policy and I called to check. It only means that if you're car is at home or within a mile of home it should be garaged between certain hours (dusk to dawn or 8pm - 6am).

So effectively, you can't leave it on your drive or parked at your local pub overnite. However, if you are at a m8's/birds house or staying at a hotel etc this is okay as long as it's more than 1 mile from your home address.

Must admit my 1st reaction was WTF!!!! until I got clarification - the way it read did imply that you couldn't drive the car when it was dark basically!!

Den

RMA26

Very true!

Great minds think alike!

nik52wrx

Dont the insurance companies ask where the car is usually kept over night ?
If you were staying at a birds house or hotel whatever, you would still be covered i would have thought
Otherwise those who declare a garaged car couldn't spend the night anywhere otherthan at home, crazy
Nik

LiamWR1(2)

With respect Corradoboy I'm also with Priv Insurance and that '1 mile rule' sounds a bit strange!

I'm a lazy barsteward at the best of times and you won't find me walking a mile anywhere! but, nevertheless I will check my policy, and change it if needed.

Liam

RMA26

Sorry – I’ve gone a little off topic here – apologies for the hijack

But it’s brought to light some interesting points, questions….

kgt

iTrader: (1)

guys, like I said i used to do this for a living and Ive now seen several policies (priv & a-plan I think) which include this. Correct Nik, they do ask where is it "usually" kept, so if staying at hotel or away from home, its covered. But the 1 mile rule still applies, if it is in the contract you sign (proposal form & policy doc). If its close to home and you state its in a garage, it had better be there or they will crawl all over the claim in an effort to elbow it. Ive seen it happen and Ive had the pleasure of telling someone. He nearly choked the freakin life out of me and thats one of the reasons i got out.

lordretsudo

That clause is on my insurance (through A-plan) too. We're one of the very few houses in our neighbourhood with a double garage who actually garage both cars. I hate seeing roads where all you can see is cars parked everywhere. Garages are there for a reason, not just to fill up with crap!

graeme.

Couldn't contemplate anything other than a garage for my Scoob, although I would quite happily leave the wife outside on the driveway all night - funny that, isn't it.

2 alarms on the garage.

A baby monitor - you can hear a moth fart in the garage. One of the best and underrated security devices ever.

A couple of other things that I can't divulge - don't want to give all my secrets away !

Licenced shot gun holder.


Having said that - if they want it, they will get it.

R.Bullets

This was discussed over at 5-0 recently and the distance someone quoted for their policy was more like 100 yards.

A mile seems pretty steep, there are plenty of reasons for parking a mile from your house overnight and not wanting to walk that kind of distance especially in todays society.

You insure a car for where it is usually kept, this is normally your house but might not be I guess. If your car is parked anywhere else except this place overnight it is covered as usual.

RB