🚗 Storage/Laid Up Coverage: Protecting Your Vehicle Off the Road 🇨🇦
Not every vehicle is driven year-round. Whether it’s a seasonal car, a recreational vehicle, or a work truck on downtime, you don’t need to pay for full auto insurance while it’s parked. That’s where Storage (Laid Up) Coverage comes in.
⚡ What It Covers
Storage coverage protects your vehicle while it’s not being driven. It typically includes:
- Fire 🔥: Protection if your stored vehicle is damaged in a fire.
- Theft 🚨: Coverage if the vehicle is stolen or vandalized.
- Weather & Falling Objects 🌧️🌲: Protection against storms, hail, or falling branches.
Because the vehicle isn’t on the road, you’re not paying for liability or collision coverage—making this a cost-effective way to stay protected.
📌 When to Consider It
- Parking your convertible through BC’s rainy season ☔
- Storing an RV for the winter ❄️
- Taking a classic car off the road until summer shows 🏎️
❌ What It Doesn’t Cover
- Driving without proper road insurance 🚫
- Normal wear and tear
- Mechanical breakdowns
✅ The Takeaway
Storage/Laid Up Coverage keeps your vehicle protected during downtime while helping you save on premiums. Before putting your car or truck away, talk to your broker to ensure your policy reflects how the vehicle is actually used.
👉 Is one of your vehicles sitting idle? Switching to storage coverage could save you money without sacrificing peace of mind.
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