Sharing my garage - insurance question

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Fri 25 Oct 2002 10:00
Sharing my garage - insurance question - Rebecca {P}
Quickish question -
We hardly ever park in our (double) garage. Next door neighbour has a collection of classic sports cars - some kept on the driveway, others in a storage place 45 min drive away. They are planning to double the size of their double garage.

Being neighbourly (and good friends with them) I was going to suggest that during the building work, they keep a couple of the cars in our garage. Could this be more hassle than it's worth insurance wise? Is it their car insurance that would cover their cars or could there be a claim on our house insurance in the event of any loss/damage?

(by the way both our vehicles are company owned/insured and we don't claim to keep them garaged)

Any thoughts? Can't bear to be on hold for days with the house insurers to ask them. Decided to ask here first!
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Fri 25 Oct 2002 11:02
Sharing my garage - insurance question - Clear Spot
Rebecca,
Worth checking with your neighbours if their cars are insured, and are they in use or SORN'd (i.e. off the road), I have my TR7 stored out of use in my own garage at the moment - this is not covered by my household insurance, but is covered under a separate classic car insurance policy with zero use declared for a fairly nominal premium.

HTH
Robin
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Fri 25 Oct 2002 11:15
Sharing my garage - insurance question - Mark (RLBS)
Firstly it depends what you want it insured against.

If it is accidental damage, then you will have to ring your house insurance company and they will probably say no.

If it is fire, they might say yes.

However, surely he has a classic, laid-up policy ? if so, then that will cover AD,F&T (no TP). And all he need to is inform his insurance company.

It is unlikely anything serious will happen, but its quite possible something trivial will happen. (drop a paint can on it, scratch it or something).

Frankly, if he doesn't have his own laid-up policy, and if he hasn't specifically asked you for this, I wouldn't go near it.

M.

p.s. I would be surprised if he didn't have some sort of laid-up policy, and if he doesn't he's a fool.
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Fri 25 Oct 2002 21:02
Sharing my garage - insurance question - The Watcher
I stay well clear if I were you. If anything goes wrong even the slightest mishap, you may find your friendly neighbour take on a different stance. He may have his cars insured but if it is a tin of paint that accidentallygets knocked of your shelf onto his car, I expect he will claim on your insurance.

There's justtoo many unpredictables here imho.
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