Why do insurers charge a higher premium if your car is kept in a locked garage?

Why do insurers charge a higher premium if your car is kept in a locked garage?

Asked on 16 October 2018 by Ron Norris

Answered by Tim Kelly
No Idea. It should be cheaper. Have you checked this over a number of quotes? If it works out to cheaper to advise the car is left outside I would say that. I would never advise it is parked in a locked garage overnight, just in case on the one night it is not in the garage, it gets stolen. Never give an insurer an opportunity to not pay out.
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