When a household deploys, a vehicle sits. Canceling the policy is the obvious move and it is usually the wrong one, for reasons that outlast the deployment.
Storage cover keeps comprehensive in force while removing liability and collision. It preserves continuous cover.
Three things about a vehicle that is parked for months.
Theft, vandalism, fire, hail and rodents do not require anybody to be driving. Canceling cover entirely leaves the vehicle exposed to everything except collision, which is the one thing that cannot happen while it is parked.
Many carriers will reduce a policy to comprehensive while a vehicle is in storage, removing the liability and collision premium. The saving is substantial and the car remains protected against what can actually happen to it.
Continuous cover is a rating factor, and a gap of several months moves a driver into a worse tier on return. For a household that will need insurance again in a year, the lapse is the expensive option.
Keeping it sensible while nobody is driving.
Most do and almost nobody is offered it.
Garaged, on a street or at a relative’s address, each rated differently.
A financed vehicle usually must keep collision regardless.
Tell us how long the vehicle will be parked, where, and whether it is financed.
We reduce it to storage cover rather than allowing it to lapse.
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