Any insurance issue with car parked up on public road for weeks

AndrewJRenko

Is there any insurance issue with leaving your car parked up on a public road, not my road or my house or anywhere near me, for an extended period, like four to six weeks? I've gone through the Liberty policy document but I can't find any explicit requirement, beyond the general provision to notify the insurer of any change in conditions.

SmartinMartin

One of the questions I've been asked when getting quotes is where is the car normally parked, driveway/garage etc. I'm not sure would that affect you.

Eggs For Dinner

There is a general provision to take due care to prevent or minimise a loss. As long as it's not a desolate area or a known crime hotspot you should be fine

AndrewJRenko

SmartinMartin wrote: »

One of the questions I've been asked when getting quotes is where is the car normally parked, driveway/garage etc. I'm not sure would that affect you.

Thanks, I suppose the question might be around what constitutes 'normally'? Is there any limit on the number of days/weeks per year that it could be parked at a different address without being in breach of the requirement to notify changes.

SmartinMartin

I don't think so, but then again I'm just an ordinary joe. As far as I know once your car is road legal, ie taxed, NCTd and insured it can be parked as long as you like, once its not a pay area.

Del2005

AndrewJRenko wrote: »

Thanks, I suppose the question might be around what constitutes 'normally'? Is there any limit on the number of days/weeks per year that it could be parked at a different address without being in breach of the requirement to notify changes.

Once it's in the same location as you said it's normally used it should be fine, you say it's normally used in D12 and park it in D14 there might be an issue.

There could be an issue is if you said it was kept in a locked garage where they then place restrictions on the level of cover that applies nearby, but that affects motorbikes more than cars so shouldn't be an issue.

AndrewJRenko

Del2005 wrote: »

Once it's in the same location as you said it's normally used it should be fine, you say it's normally used in D12 and park it in D14 there might be an issue.

There could be an issue is if you said it was kept in a locked garage where they then place restrictions on the level of cover that applies nearby, but that affects motorbikes more than cars so shouldn't be an issue.

Thanks - good point. Do you need to have valid NCT and tax to park on a public road?

Cork Trucker

Tax on a public road is legally a must

AndrewJRenko

Cork Trucker wrote: »

Tax on a public road is legally a must

Thanks.


Does anyone know the story about NCT? Do you need it to be parked or is it only required when actually driving?

Cork Trucker

AndrewJRenko wrote: »

Thanks.


Does anyone know the story about NCT? Do you need it to be parked or is it only required when actually driving?

Unsure if this thread is of use, it may or may not be.

https://www.boards.ie/vbulletin//showthread.php?p=90684172

AndrewJRenko

Cork Trucker wrote: »

Unsure if this thread is of use, it may or may not be.

https://www.boards.ie/vbulletin//showthread.php?p=90684172

Thanks, that thread includes a useful link to the 1961 Act (surprisingly enough) which confirms that you need the NCT to 'use' the car, and 'use' includes 'park'.

Del2005

AndrewJRenko wrote: »

Thanks.


Does anyone know the story about NCT? Do you need it to be parked or is it only required when actually driving?

The car has to be road legal to use the road. Parking is using so it needs to have tax, insurance and an NCT.

Stanford

If anything happened the car and you made a claim the insurance company could allege that you abandoned the car as it was not under your effectual control