Telematics data will inform your insurer of your driving behaviour, and can also track where your car is parked overnight. So, if it’s not being parked where you have told your insurer it is, they will know. If your car is stolen overnight from that street, the chances are you won’t be able to claim.

Where vehicle is kept overnight?

There are generally three options when parking your car overnight: parking it in a locked garage, parking it in a driveway, and parking it out on the street.

What counts as a locked compound?

Locked compound – A secure site, fenced all the way round and gated, with access only available to key or code holders.

Where do you keep your car at night Insurance?

Ideally, you should park your car in a car port or on the driveway of your home. While you might think that a garage is the best overnight option, some insurance providers see this as an opportunity for you to damage your car as you drive in and out, so a reduction on your car insurance is not guaranteed.

What happens when someone hits your parked car?

Will my insurance go up after someone hits my parked car? If you have to file a claim with your own auto insurance company , you may see a rate increase. Some insurance companies will increase your rate any time a claim is filed, regardless of fault, depending on your state .

Is it illegal to park your car overnight and void your insurance?

As to whether parking illegally voids your car insurance, it’s up to your insurer but it’s best not to risk it. Try to park on a driveway, not in a lonely spot, and whether you’re parking overnight in strange locations or leaving the car behind at home you should consider extra security precautions.

Can you lie about parking your car at night?

Don’t invent a garage or a driveway if you don’t have one – if you lie about where you park your car at night, it’s insurance fraud. Be truthful, and ready to tell your provider if the car is not guaranteed to be parked in the same way every night.

Can a car insurance company find out where you park?

Don’t worry, your insurer’s only interested in where you normally park your car – so you’ll still be covered if you occasionally park elsewhere. If you have a telematics policy, your black box roughly tracks your car’s location, so your insurer could easily find out if you’re not honest about where you regularly park.