Car Insurance - Overnight Storage

[joko]

my brothers vehicle is registered as being kept in a garage overnight - and most nights it is, however, i am a named driver and there have been some nights that I have kept it at my house overnight and sometimes i stay at my boyfriends house overnight.
I also have no doubt he has left it outside my folks house or elsewhere on occasion too.

I seem to remember the wording on the forms being regarding where it is 'most often' kept at night, and there was no mention that it MUST be kept there at all times, or of it being uninsured if the vehicle is not there one night, nor any sort of hours of acceptable times etc.

so question is, if something happened to it overnight, while it was at my house, rather than in the garage, would the insurance try to get out of paying?

Its with more than

Thanks

[woofgang]

read the policy, what does the policy say?

[rockyracoon]

This is obviously in response to the motorbike thread isn't it. I'd say unless it was a condition of the policy then they'd have to pay out. My brothers car was pinched in the middle of the night whilst he was at a party (car was parked outside the house where the party was) he's getting paid out.

[hc4361]

You need to look for a clause like this in the policy:

We have accepted your insurance on condition that your car is kept overnight in a locked and secured garage. Failure to comply with this condition may mean we will refuse to deal with any claim arising from your car being maliciously damaged, lost or stolen.

[boxtops]

The insurance company can't expect you to keep the car in said garage every single night - otherwise, if you went on a holiday to say, Cornwall, they could argue that the car wasn't at home. The risk they are assessing is whether it's kept in the garage most of the time, not all the time, IMO.

[woofgang]

boxy, they can expect it if its a condition of the policy.....

[gingejbee]

My More Than insurance schedule says ...."it is parked overnight in a locked garage in the XXX XXX postal area".
So you could say that it only needs to be in a locked garage when in THAT postal area ie when at "home".
You could ring to clarify the matter - I've always found them helpful in the Liverpool office: 0800 980 8735.

[diddlydo]

I have a similar clause on my policy as when I'm at home it's in a locked garage. When I queried it with my company re being on holiday, visiting friends etc, they said obviously that was OK and the cover would be fine.

[boxtops]

That's actually a good point. They risk assess you based on your postcode, so if you live in a dodgy area (if you did) the premium would be higher if you parked in the road. You'd be expected to garage in that postcode area if you could.