Unusual car insurance question: where would I keep my car overnight?

Submitted: Sunday, Sep 11, 2011 at 20:46
ThreadID: 88965 Views:2265 Replies:7 FollowUps:1
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I just received a letter from my car insurer asking the address of where my car is kept overnight. Seems like a strange question to me. Wouldn't the car be kept where I live? Has anyone else been asked odd questions like this? Ahhh lucky I'm with ..whats her name.

cheers Kc
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Reply By: Notso - Sunday, Sep 11, 2011 at 20:48

Sunday, Sep 11, 2011 at 20:48
Most insurers I have used require the address where the car is garaged.

This allows them to apply the risk premium based on the respective rates of damage, theft etc in various localities around Aus.
AnswerID: 464747

Reply By: Road Warrior - Sunday, Sep 11, 2011 at 21:30

Sunday, Sep 11, 2011 at 21:30
Ring them up, they should already have this information when you took out the policy surely??
AnswerID: 464752

Reply By: Kimba10 - Sunday, Sep 11, 2011 at 22:22

Sunday, Sep 11, 2011 at 22:22
I wouldnt be replying by any letter, Id be ringing them direct to see what the go is. It is a question that they always ask but if you have a policy with them already then why they would be asking that now is a bit strange unless they think your trying to pull a swifty, like live in a high crime area which will increase your premium but have the vehicle insured at say mums address in a lower crime rate area ?? havnt just got divorced have you ?? things can get nasty lol only kidding...........
AnswerID: 464762

Reply By: Crackles - Sunday, Sep 11, 2011 at 23:14

Sunday, Sep 11, 2011 at 23:14
They need to know the usual address where it's parked & if it's left on the street, under a carport or locked in a garage to gauge the risk of it being stolen. No doubt some people insure their cars at a country address to keep premiums down while living in the city.
Cheers Craig...............
AnswerID: 464764

Follow Up By: Bill BD - Monday, Sep 12, 2011 at 08:50

Monday, Sep 12, 2011 at 08:50
A lot of country adresses are no cheaper. I live in a town where you could leave the keys in the ignition and not get it stolden but kangaroo risk keep my premiums right up there. These letters are pretty standard. I got one a few years back.
FollowupID: 738749

Reply By: Member - DAZA (QLD) - Monday, Sep 12, 2011 at 07:49

Monday, Sep 12, 2011 at 07:49
Most insurance companies ask for your Post Code.

We have a bulk insurance deal with several policies.

I enquired re: the Post Code and the reply was, our Post Code is in a severe Hail Damage area.

We are on the edge of a Rural Area and not to much crime occurs.

I agree, if in doubt phone them and ask for reasons.

AnswerID: 464772

Reply By: olcoolone - Monday, Sep 12, 2011 at 09:25

Monday, Sep 12, 2011 at 09:25
The general insurance population are to blame for more and more questions getting asked.

Insurance premiums have decreased over the years per capita of claims due to people wanting cheaper insurance.

For insurance companies to compete, they have to lower their risk meaning they will ask more questions regarding the vehicle, the intended use, drivers and the owner.

We had a friend denied insurance due to the fact he had been bankrupt 6 years ago as an outcome from his marriage.

Don't be surprised in the near future if questions about your financial situation and stability are asked before insurance is granted or a claim paid.

And to those who will come back and say they won't give the insurance company this information..... looks like you will have no insurance.

AnswerID: 464777

Reply By: kidsandall - Monday, Sep 12, 2011 at 19:52

Monday, Sep 12, 2011 at 19:52
I raised this point a while ago in another thread where we were hit by another person and even though she had paid her premiums for a long time, her insurance company said she wasn't covered just cause she had a policy. They needed to check her details before approving she's covered. I questioned our insurance company and found some very interesting info. Just because you have a policy and pay a premium, it doesn'r mean your covered. For example, if your policy states the car is garaged and you leave it out for some reason and it is stolen you may not be covered. If your policy states you must have a clear driving record and you don't, you may not be covered. There are lots of clauses in the "fine" print of a policy that most people gloss over that could void their policy if the insurance company wanted to.
It may also be that the insurance company is auditing policies to ensure everything is correct and noticed they didn't have the garaged address, it may be an innocent request.

AnswerID: 464835

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