Do I need to park in the same place every night?
Whilst indicating your regular parking habit to your insurance provider, this doesn’t mean you are bound to park in the same place every time your car is left unattended. There are bound to be times when you may be staying with friends, relatives, or even at a hotel out of town. These are all acceptable and would not impact on your cover.
Should you change your regular parking habit however or perhaps no longer have the parking facility that you detailed to your insurer, you should immediately notify them and update your policy.
Does the street have an impact on the risk factor?
The street in which your vehicle is parked overnight could also have an impact on your premium, as some pose a higher risk of theft or vandalism than others. Many inner city suburbs tend to fall into this category.
Insurance companies could assess this element based on their data on your streets postcode such as the claim or crime rate.
What can I do to reduce my overnight parking risk?
Securing your car in the most efficient manner of parking at night as we discussed above could be beneficial. If you park your car overnight in a garage or driveway, you might want to think about installing extra home security, such as motion activated spot lights which won’t affect your premium but will add extra security.
When left with no other option but to park on the street try to look for an area that provides good overhead street lighting, as this can help to deter car thieves.
Always ensure that the keys are not left hanging by the door or just thrown onto the table, as a break-in of your house could provide burglars with easy access to your garage.
Overnight parking is just one of many elements that could contribute to your car insurance premium.
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