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Author confused :S can someone help clear this up
Matt L
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Registered: 17th Apr 06
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15th Jan 07 at 17:13   View User's Profile U2U Member Reply With Quote
whats the deal with insurance on car parks?? two of my mates have said that you arent insured when your on a car park as its classed as off the road :S surely this cant be right.
can someone clear this up for me please
cheers matt
VegasPhil
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Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
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15th Jan 07 at 17:14   View Garage View User's Profile U2U Member Reply With Quote
Someone round my way got 6 points and his gf for letting her drive his astra. So I presume it's as bad as driving on the road.

Corsa 2.0 16v Vegas - Sold
BarnshaW
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Registered: 25th Oct 06
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15th Jan 07 at 17:14   View User's Profile U2U Member Reply With Quote
so if u go in tescos car park and have an accident u cant claim? lol, maybe on PRIVATELY owned car parks on private land.
Robin
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Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
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15th Jan 07 at 17:15   View Garage View User's Profile U2U Member Reply With Quote
Depends.
Matt L
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Registered: 17th Apr 06
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15th Jan 07 at 17:15   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by BarnshaW
so if u go in tescos car park and have an accident u cant claim?


thats the way its sounds like to me but surely this cant be right.
BarnshaW
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Registered: 25th Oct 06
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15th Jan 07 at 17:17   View User's Profile U2U Member Reply With Quote
maybe at certain times in the car park there maybe different rules. im sure this would be at your insurers discression. however in public car parks in normal hours you would be covered.
Robin
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Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
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15th Jan 07 at 17:22   View Garage View User's Profile U2U Member Reply With Quote
Technically, the carpark is private land if it's a supermarket. The insurer can refuse to pay out, but generally, they don't.

Not sure about a 'public' car park, owned by a council, but it may well be the same.
Nismo
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Registered: 12th Sep 02
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15th Jan 07 at 17:24   View User's Profile U2U Member Reply With Quote
Grey area , some do , some dont. those 90% do , especially the bigger companies.
Matt L
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15th Jan 07 at 17:24   View User's Profile U2U Member Reply With Quote
ahhh right never knew this.
deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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15th Jan 07 at 17:28   View User's Profile U2U Member Reply With Quote
Like parking your car at night - most insurers ask where the car is parked and at what address. If you have to park on the road (when you say it's parked on the drive) or you visit a relative and stay the night, is your car insured or not?!
Nismo
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Registered: 12th Sep 02
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15th Jan 07 at 17:29   View User's Profile U2U Member Reply With Quote
Id say yes, but then some insurers try everything to get out of paying out.
Born_corsa02
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Registered: 20th Dec 02
Location: Essex
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15th Jan 07 at 17:32   View User's Profile U2U Member Reply With Quote
Think its got somthing to do with the carpark having public access meaning its the same as the road. I know years ago you couldn't claim in a petrol forecourt or carpark because it was private land but pretty sure the law has changed now.
John
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Registered: 30th Jun 03
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15th Jan 07 at 17:33   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Robin
Technically, the carpark is private land if it's a supermarket. The insurer can refuse to pay out, but generally, they don't.

Not sure about a 'public' car park, owned by a council, but it may well be the same.


Supermarket here the carpark is council property.

 
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