How Does Temporary Storage Affect Insurance?
When a car is stored in a garage for a limited time, insurers might consider several factors, including how long the storage may last and whether the vehicle is being used during this period. Key aspects they might review include:
- Where the car is kept overnight during storage.
- Whether the car is taxed, MOT-certified, and roadworthy whilst stored.
- If the car could be driven occasionally or remains unused.
- The purpose of the storage, such as for repairs or seasonal reasons.
These details may help insurers determine the most appropriate type of cover for your circumstances.
Does the Garage Location Make a Difference?
The garage’s location could significantly impact insurance terms. For instance, storing your car in a secure private garage attached to your property might present less risk than leaving it in a rented space in a high-crime area. Insurers might ask questions about:
- The type of garage - private, shared, or commercial.
- Security measures, such as alarms or CCTV.
- Access to the garage and whether it’s locked or monitored.
The perceived security of the storage location could influence premiums or policy availability.
What Type of Cover May Be Required?
The type of insurance you might need for a temporarily stored car could depend on its usage during the storage period. For example:
- Comprehensive cover: Suitable if the car is driven occasionally whilst stored.
- Laid-up cover: May be an option for cars that are off the road entirely, potentially reducing costs.
- Third-party only: Basic cover may suffice if the car is occasionally used but kept in storage the rest of the time.
Discussing your situation with an insurer may clarify what cover suits your needs whilst ensuring compliance with legal requirements.
Does SORN Status Affect Insurance?
Declaring your car off the road with a Statutory Off Road Notification (SORN) whilst it’s stored in a garage could affect insurance requirements. A SORN car doesn’t need active road insurance but remains susceptible to risks like fire, theft, or accidental damage whilst in storage. Insurers might offer laid-up cover specifically for SORN vehicles, potentially protecting against such risks without providing road-use cover.
If the car is not SORN but stored for occasional use, a standard policy may still be needed.
What If the Car Is Temporarily Stored During Repairs?
When storing a car temporarily for repairs, the garage’s responsibility for damage or theft could vary. For example:
- A professional repair shop might have its own insurance to cover damage or loss whilst the car is in its care.
- If the car is stored at your own property awaiting DIY repairs, your personal policy might need to account for this arrangement.
Clarifying responsibility for the car’s protection during this period may prevent complications in the event of an incident.
Can Seasonal Storage Impact Insurance?
Seasonal storage is common for vehicles like convertibles or motorhomes. If a car is stored over winter or another extended period, insurers might offer specialised cover for non-use. Factors that could be considered include:
- The duration of the storage period.
- Whether the car remains taxed and MOT-compliant.
- Storage conditions, such as the garage’s security and climate control.
Providing detailed information about the storage arrangement might help you secure appropriate cover whilst minimising costs.
What Risks Are Associated with Temporarily Storing a Car?
Even when a car is stored in a secure garage, certain risks might still apply. perhaps a solution that aligns with your goals:
- Fire or water damage from environmental factors.
- Theft or vandalism if the garage is not adequately secured.
- Accidental damage during maintenance or other activity within the garage.
Choosing a policy that accounts for these risks could provide a feeling of being looked after during the storage period.
What Documentation May Be Needed?
To arrange cover for a temporarily stored car, insurers might request specific information, such as:
- The car’s registration and ownership details.
- Proof of the garage’s address and security features.
- Details of the intended storage period and any planned usage.
Having these documents ready may streamline the process and ensure the insurer has all the necessary details to evaluate your situation.
Should the Policy Be Adjusted After Storage Ends?
Once the temporary storage period ends, updating your policy might be advisable, especially if your driving habits or living arrangements have changed. For instance:
- Returning a seasonally stored car to regular use might require reinstating full cover.
- Moving the car from a secure garage to street parking could necessitate changes to the policy.
- Switching the car’s primary use from occasional to daily driving might also affect terms.
Keeping insurers informed about such changes may ensure continued compliance and protection.
Final Thoughts
Insuring a car that’s temporarily stored in a garage can involve various considerations, from the storage location’s security to whether the car remains in use. Being transparent with insurers about the specifics of your situation might help ensure you receive suitable cover. Whether your car is stored for repairs, seasonal reasons, or other circumstances, addressing these details could safeguard you from unexpected complications.
Start checking prices against each other or speaking to insurers to explore the options available for your car storage needs today.