Also called 'Parked Car Insurance' and 'Car Storage Insurance' - this is for car owners who would like to keep their vehicles
parked in long term storage as they don’t intend to drive them or use them for
an extended period of time.
‘Comprehensive only’ coverage
will protect your car from loss or damage that could occur due to:
What is Automobile Parking?
Automobile parking (often called parked car or car storage insurance) is a temporary policy modification that suspends liability and collision coverage while keeping physical damage protection in force. This comprehensive-only approach protects against non-driving perils such as theft, vandalism, fire, weather events and falling objects while a vehicle sits in storage or a garage.
Who needs it
Owners who won’t drive a vehicle for an extended period — collectors, seasonal drivers, owners undergoing long-term travel, or dealers storing inventory — commonly seek this coverage. Storage facility operators and private garage owners may also evaluate parked car terms as part of their risk management. For details on policy options for long-term storage, see Parked Car Insurance (Comprehensive-Only).
What it typically covers
Typical protections include comprehensive damage from theft, attempted theft, vandalism, fire, weather (hail, lightning, flood), and damage from falling objects. The coverage focuses on physical damage rather than liability or collision. Insurers consider underwriting factors and vehicle condition when quoting comprehensive-only limits and deductibles.
Common exclusions or limitations
Exclusions often apply to mechanical breakdowns, routine maintenance issues, wear and tear, and damage that occurs while the vehicle is being driven. Policies may require specified storage locations and security measures; for example, coverage can differ if a car is kept in a residence versus a commercial storage site. For related facility-level protection, businesses can review Parking Facilities Insurance and consider equipment or property coverage needs.
Factors that influence cost
Premiums depend on vehicle value, deductible, storage location, security features, length of storage, past claims history and insurer underwriting. Collector cars or high-value vehicles may require higher limits or agreed-value endorsements. Insurers also evaluate theft and vandalism risk by neighborhood and storage facility controls.
Proof of insurance & compliance
Some jurisdictions or storage facilities may ask for proof of comprehensive coverage while liability is suspended. Maintaining documentation and knowing policy effective dates helps avoid gaps. If you’re winterizing or preparing a vehicle for long-term storage, see guidance on Storage/Winterization Coverage that can complement parked car protections.
How to get a quote
To get a quote, gather vehicle details (VIN, mileage, storage address, length of storage and security measures) and discuss storage-specific underwriting factors with an agent. To start a quote online, visit https://completemarkets.com/quote/ for a submission form and guidance.
Risk scenario: a classic car left in an uncovered lot may face higher theft and weather exposure than one locked in a climate-controlled garage, affecting available coverages and cost.
Frequently Asked Questions
Can I suspend liability and keep comprehensive-only coverage?
Yes. Many insurers allow suspending liability and collision while maintaining comprehensive to protect against non-driving perils during long-term storage.
Will my premium always go down if I switch to parked car coverage?
Possibly, but it depends on the insurer, vehicle value, storage conditions and selected deductible. Speak with your carrier or agent to understand the impact.
Do storage facilities require proof of insurance?
Some facilities and lenders require proof of comprehensive coverage. Check facility rules and provide current policy documentation if requested.
Still have questions? Talk to a local insurance expert.