Insurance for a Garaged Car

Compare car insurance quotes online in minutes to help you find cover for your garaged car.

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, updated on February 15th, 2024       

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Car Insurance Banner - Group of friends standing in front of a car parked in a garage.

Looking for insurance for a car parked in a garage? Safeguarding your vehicle while it's off the road is just as crucial as protecting it while you're behind the wheel. Whether you have a classic car, need coverage for a temporarily unused vehicle or simply want cover that reflects your parking situation, having the right insurance is essential.

You can compare car insurance offers online from leading providers side-by-side, helping you to find the best possible deal for your needs. Get a quote today and ensure your garaged car is protected with the right insurance coverage.

How does garaging affect my car insurance premiums?

The fact that your car is stored in a garage can have a positive impact on your car insurance premiums. Insurance companies generally view garaged cars as being at a lower risk compared to cars parked on the street. Garaging your car reduces its exposure to potential theft, vandalism and damage from external factors such as weather events.

When applying for car insurance, be sure to inform the insurer that your car is garaged. They’ll consider this information when assessing the risk profile of your vehicle and determining your premium.

It's important to note that the specific impact on premiums can vary depending on other factors such as your location, driving history and the insurance provider's policies. To get a more accurate estimate of the cost of your insurance premiums, you can compare quotes online.

What are the benefits of parking your car in a garage?

Parking your car in a garage offers several benefits that can positively impact your vehicle's condition, safety and insurance coverage. Here are some key advantages of parking your car in a garage:

  • Protection from the elements: parking in a garage shields your car from harsh weather conditions such as heavy rain, hail, snow and intense sunlight. This helps prevent potential damage to the exterior, paintwork and interior of your vehicle, even if you’re driving a used car.
  • Reduced risk of theft: a garage provides a secure and enclosed space for your car, reducing the risk of theft or unauthorised access.
  • Prevention of vandalism and damage: by parking your car in a garage, you minimise the exposure to risks such as acts of vandalism, accidental scratches or damage caused by other vehicles passing by, which may be the case if you were parked on the road. This helps maintain the overall condition and value of your car.
  • Extended lifespan of components: regular exposure to the elements, such as UV rays and extreme temperatures, can deteriorate various components of your car over time. Parking in a garage can help preserve the longevity of your vehicle's tyres, battery, paint and interior materials.
  • Privacy and personal convenience: having a garage provides added privacy for your vehicle and can offer convenience during adverse weather conditions. It may allow you to avoid defogging your windshield on a brisk morning or dealing with a hot interior on sunny days.
  • Cheaper insurance premiums: insurance providers often view garaged cars as less risky, leading to potentially lower insurance premiums.

Remember to check with your insurance provider to understand the specific benefits and potential discounts associated with parking your car in a garage. Always read your policy documents carefully and discuss any garage-related features or requirements to ensure you have the appropriate coverage for your car.

Is it necessary to have insurance for a garaged car?

While it may seem tempting to think that insurance isn't necessary for a garaged car, it can provide a level of financial protection and peace of mind in case the unexpected happens and is covered by your policy. Even if your car is securely stored in a garage, it can still be vulnerable to various risks such as theft, vandalism or damage from fire, extreme weather or other unforeseen events, although these risks may be lessened.

However, it’s important to note that comprehensive and third party insurance aren’t mandatory in Australia, with the only type of insurance you’re required to get being compulsory third party (CTP) insurance. Weigh up the pros and cons of car insurance coverage to help you determine which policy is the most suitable for your needs.

Are there any special considerations for classic or vintage garaged cars?

There may be specific considerations for classic or vintage garaged cars when it comes to insurance. These often hold sentimental and financial value, making their insurance needs more unique. When insuring a classic or vintage garaged car, it's important to choose coverage that accounts for the car's specialised nature.

Some insurers offer classic car insurance policies which are specifically designed to address the requirements of these vehicles. Most notably, they can provide agreed value cover, which considers the car's rarity, condition, and appreciation potential. These policies can also offer additional benefits such as choice of repairer, salvage rights and limited use cover options.

When insuring a classic or vintage garaged car, it's crucial to provide accurate information about the car's value, condition and usage patterns. This helps ensure that you have the appropriate level of coverage and that any potential claims are handled properly.

It's important to compare offers from insurance providers to understand the specific coverage options available and obtain quotes tailored to your classic or vintage garaged car's needs.

Types of car insurance you can choose from

More questions about car insurance for garaged vehicles

What is laid-up car insurance?

Laid-up car insurance is a type of insurance coverage specifically designed for vehicles which aren’t being used on the road, such as those without proper registration. It’s designed to provide protection for cars that are stored, undergoing restoration or temporarily out of commission. Laid-up car insurance typically covers the same risks as standard comprehensive car insurance but can also extend to damage sustained during transit.

What is pay as you drive car insurance?

Pay as you drive car insurance, also known as usage-based insurance, is a type of car insurance which calculates premiums based on the actual usage of the vehicle. It allows drivers to potentially save money on their car insurance if they drive less overall than the average driver (as car insurance premiums are based on assumptions of how much you’re likely to drive over your coverage period).

How else can I reduce my car insurance premiums?

There are several ways to potentially reduce your car insurance premiums, including:

  • Compare quotes: shop around and compare insurance quotes from different providers to help you determine which is the most affordable option for your situation.
  • Increase excesses: opting for a higher excess can lower your premiums. However, be sure you can afford this amount in case of a claim.
  • Maintain a clean driving record: safe driving habits and avoiding traffic offences can help you qualify for lower premiums, as insurers often reward good driving behaviour.
  • Consider bundled insurance: bundling your car insurance with other policies, such as home insurance, offered by the same insurer could lead to discounts on both policies.
  • Install safety features: equipping your car with safety features like anti-theft devices, airbags and anti-lock brakes may make you eligible for premium discounts.
  • Pay annually: if financially feasible, paying your premium annually instead of monthly can sometimes result in cost savings.
  • Choose your listed drivers carefully: adding any drivers to your policy may impact your premium, particularly if they’re inexperienced (such as those under 25). These may result in additional excesses charged in the event of a claim which they’re responsible for.

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