Drivers who have garage at home warned over little-known car insurance rule

James Rodger

3 May 2024 at 7:48 am·2-min read

Drivers have been warned over p opular car insurance hacks which have been debunked including parking in a garage. Darren Miller from BigWantsYourCar.com - who picks out some of the most common misconceptions about reducing premiums.

One myth is parking in a garage means cheaper car insurance, Darren said. Darren said: “Parking in a driveway may be seen as safer due to less manoeuvring involved compared to entering or exiting a garage but insurers may view risks differently.

“It's important for drivers to compare quotes for both parking options to determine the most cost-effective solution for their situation." Darren said: “Drivers with lower mileage may still face higher premiums if they primarily drive during peak times or on unfamiliar roads, increasing their risk profile.

“It's important for drivers to realise that insurers consider various risk factors when calculating premiums, and mileage is just one aspect." Darren said: "Fronting, the practice of naming an older or more experienced driver as the main policyholder to lower premiums, is illegal and can have severe consequences.

"While adding a parent or experienced driver as an additional driver may influence premiums, misrepresenting the main driver's identity is fraudulent. Insurers assess risk based on accurate information, and fronting undermines this process.

"It's important for young or first-time drivers to explore legitimate ways to reduce premiums, such as telematics or black box insurance." Darren added: “Additionally, factors such as the make and model of the car, as well as the driver's age and driving history, are significant in determining premiums.

"It's important for drivers to consider multiple factors when assessing insurance costs for new cars." He said: "Unlike other purchases where negotiation may be possible, insurance premiums are typically calculated based on risk assessment.

“While different insurers may offer different rates, negotiating a lower premium with your insurer is generally not an option. However, drivers can explore cost-saving measures such as adjusting coverage levels and leveraging available discounts to potentially lower their premiums."

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