The overnight parking location of a vehicle significantly affects its insurance premium, especially for higher-value vehicles.It's vital to establish and confirm the address where the vehicle is kept overnight, as this may differ from the policyholder’s residential address.Insurers usually offer the best rate for vehicles park on a driveway.

Step 1: Ask About Overnight Parking Location

Option 1: Road/Car Park

• Includes vehicles parked on any public road, parking bays, car parking spaces, or communal parking.

Option 2: Driveway

• Refers to the customer's own driveway, private property, or locked compounds within their premises.

Option 3: Locked Garage

• Means a locked and enclosed building dedicated to vehicle storage.

Step 2: Verify the Customer’s Response

Confirm the Consistency and Authenticity

• Verify the Overnight Address:
• Ensure it’s noted in the policy if different from the policyholder's address.

• Determine the Reason for Different Address:
• If the overnight address differs from the policyholder’s, inquire and document the reason.