In Summary
| 📌 Section | 📋 Description |
|---|---|
| 🚗 Is it necessary to insure a parking space? | Parking insurance is not always mandatory, but it is recommended depending on the type of parking: public, private, co-ownership, or rented separately. |
| 🏢 Different types of parking and their coverage | Depending on the location (public, private, co-ownership, rental), insurance obligations and guarantees vary. |
| 🔥 Fire | An underground parking lot or a closed box can be exposed to fires. Home coverage can include this risk. |
| 💧 Water damage | Underground parking lots are prone to infiltrations and floods, requiring specific coverage. |
| 🏴☠️ Theft and vandalism | Theft and damage to a vehicle or a box can be covered by specific insurance. |
| ⚖️ Civil liability | If an accident occurs on your parking and involves your responsibility, civil liability insurance is essential. |
| 🏠 Private parking insurance | If your parking is located on private land, insuring it is not mandatory, but some home extensions exist. |
| 🔑 Co-ownership parking | On-residence parking lots are often covered by collective insurance, but individual guarantees may be necessary. |
| 📜 Rented parking insurance | Tenants can take out civil liability insurance, and landlords can opt for PNO insurance. |
| 💰 Cost of parking insurance | The cost varies according to location and chosen guarantees. A closed box is more expensive but better protected. |
| 🔍 How to choose your parking insurance? | Assessing included guarantees, price, exclusions, and deductibles enables selecting the best coverage. |
| 🛠 Responsibility in case of claims | In case of fire, theft, or water damage, the relevant insurance depends on the cause and the parking’s status. |
| 📝 Declaring a claim | Taking evidence, contacting your insurer, and providing necessary documents helps obtain compensation. |
| 🔎 Insurance comparison | It is recommended to compare offers and guarantees to obtain the most suitable coverage. |
Parking your vehicle in a parking lot involves certain risks: theft, vandalism, or even fire. The parking insurance allows you to protect yourself against these potential damages. Discover here the obligations, the guarantees, and the tariffs of this coverage.
The best insurers for Parking
| 🏢 Insurer | 🛡️ Coverage Type | 💰 Estimated Monthly Price | 📍 Suitable for | 🚗 Theft protection | 🔥 Fire protection | 🌊 Water damage | 🛠️ Stored objects coverage | 🔍 Civil liability insurance |
|---|---|---|---|---|---|---|---|---|
| MAIF | Liability + theft and fire | €6 to €15 | Outdoor parking and closed boxes | Optional | Yes | No | No | Yes |
| MACIF | Home dependence + theft | €5 to €12 | Underground parking and private garage | Included | Yes | Yes | No | Yes |
| Allianz | All risks (theft, vandalism, fire, water damage) | €10 to €25 | Closed box with stored objects | Included | Yes | Yes | Yes | Yes |
| GMF | Unoccupant owner insurance (PNO) | €7 to €18 | Landlord owners | No | Yes | Yes | No | Yes |
| AXA | Garage and closed box (stored goods included) | €8 to €20 | Private and closed parking | Included | Yes | Yes | Yes | Yes |
| Groupama | Co-ownership and tenant (home extension) | €5 to €14 | Co-owners and tenants | Depends on the contract | Depends on the contract | Depends on the contract | No | Yes |
| Luko | Flexible insurance (private or co-ownership parking) | €4 to €10 | On-demand insurance (monthly or yearly) | Included | Yes | Yes | Yes | Yes |
📍 Is it necessary to insure a parking space ?
Insuring a parking space is not always mandatory, but it is highly recommended to protect yourself against possible damages. Depending on whether your parking is public, private, in co-ownership or rented separately, the obligations and recommendations differ.
🏢 Different types of parking and their insurance coverage
| 🚗 Parking Type | 📜 Mandatory Insurance? | 🛡️ Recommended Protection |
|---|---|---|
| Public parking | ❌ No | Auto insurance only |
| Private parking on property | ❌ No | Optional in home insurance |
| Co-ownership parking | ✅ Yes (by co-ownership) | Additional coverage for theft and vandalism |
| Rented separately parking | ❌ No | Specific tenant insurance |
🚦 1. Should a public parking spot be insured?
Public parking spots (streets, supermarket lots, municipal parking) do not require specific insurance. This type of location belongs to a public authority and is accessible to everyone.
🛡️ Recommended protection:
- Auto insurance already covers the damages your vehicle could suffer when parked in a public spot.
- In case of vandalism, theft, or breakage of glass, you will only be compensated if your auto contract includes these guarantees.
- In case of bumping, it is the driver responsible insurance that covers repairs.
💡 Tip: If your vehicle regularly parks in a public place, it is advised to opt for a comprehensive insurance or add a theft and vandalism guarantee.
🏠 2. Insuring a private parking spot in a detached house
If you own a private parking on your land, no mandatory insurance is required. However, in case of damage (fire, flood), the liability may fall on the owner.
🛡️ Recommended protection:
- Some home insurance already includes coverage of the private parking.
- If you use a closed box as dependence, it can be insured in your multirisk home insurance.
- A coverage extension can be purchased to protect the space against natural disasters and water damages.
💡 Good to know: A private parking can be liable for damage to a third party (e.g., a fall caused by poor parking maintenance). In this case, the civil liability insurance is essential.
🏢 3. Is a co-ownership parking space insured?
In a collective residence, parking spaces are often part of the shared parts. They are therefore covered by the co-ownership insurance. However, this coverage remains limited.
📜 Obligation:
- The co-ownership insurance covers damage to shared parts, but not necessarily those suffered by a vehicle or a private box.
🛡️ Recommended protection:
- Check with your property manager whether your parking space is covered.
- Subscribe to a additional insurance if you want to protect your vehicle against theft, vandalism, or fire.
- For closed boxes, a specific insurance is sometimes necessary, especially if you store items.
💡 Tip: In case of claim, if the co-ownership insurance does not cover all damages, you will need to resort to your own home insurance or auto insurance.
🔑 4. Should a separately rented parking space be insured?
If you rent a separate parking space (in a residence, private garage, or underground parking), insurance is not mandatory but strongly advised.
📜 Obligation:
- The landlord owner does not have a legal obligation to subscribe to specific insurance unless they own several spaces for rent.
🛡️ Recommended protection:
- As a tenant, you can take out a renters liability insurance to protect yourself from damages you might cause.
- If you own a closed box, a theft and fire insurance is strongly recommended.
💡 Note: If your parking space is part of your residential lease, it can be covered by your home insurance.
🔍 What risks does a parking insurance cover?
The parking insurance helps protect a private parking against various risks that could result in material damages or involve the responsibility of the owner or tenant. This coverage is particularly useful for underground, closed boxes, or private parking.
🔥 1. Fire: A risk not to neglect
A fire in a parking lot can have serious consequences, especially in a confined space. The causes of such an incident can be multiple:
- Electrical short circuit in a private box
- Deliberate fire (vandalism act)
- Malfunction of a parked vehicle
🛡️ Insured protection:
- Repair of damages caused to the parking (flooring, structure, equipment).
- Covering the restoration costs of the closed box or electrical installations.
- Liability insurance if the fire damages another vehicle or the shared parts of a co-ownership.
💡 Tip: A covered parking or a closed box can be insured via a home extension for optimal protection.
💧 2. Water damages: A common issue in underground parking
Underground parking lots are particularly exposed to infiltrations and floods during heavy rains or pipe leaks. These incidents can cause significant damage:
- Ground sinking
- Damage to paints and coatings
- Damage to parked vehicles
🛡️ Protection assured:
- Repair of damaged infrastructures.
- Covering of pumping and cleaning costs.
- Reimbursement of damages if the cause of flooding is due to a faulty parking installation.
📌 Note: If the flooding results from a collective fault of the piping in the co-ownership, it is the collective insurance that covers repairs.
🏴☠️ 3. Theft and vandalism: Protection against malicious acts
A private parking, even secure, is never immune from a vandalism act or theft. The main risks include:
- Vehicle theft
- Break-in attempts on a box
- Graffiti and tags on parking walls
- Willful damages (scratches, deflated tires, broken windows)
🛡️ Protection assured:
- Compensation in case of theft or damage to the parking.
- Repair of damages caused to the infrastructure.
- Coverage of security costs (installing new locks, cameras, reinforced gates).
💡 Tip: The theft and vandalism insurance is often optional, remember to check in your contract!
⚖️ 4. Civil liability: An accident on your spot
If an accident occurs on your parking space, you may be held liable for the damages caused to a third party.
👨⚖️ Examples of covered situations:
- A pedestrian falls on a poorly maintained parking spot (oil presence, hole, ice).
- A stored object in a box falls and injures someone.
- A wall or barrier of the parking lot collapses and causes damage to a neighboring vehicle.
🛡️ Protected coverage:
- Coverage of medical expenses if a third party is injured on your premises.
- Compensation of material damages caused to other vehicles or infrastructures.
- Legal defense in case of dispute related to an accident on your spot.
📌 Note: Civil liability can be included in a home insurance if the parking is declared as a dependence.
🏠 Private parking insurance: is it mandatory?
If your parking is located on your private land, there is no legal obligation to take out a specific insurance. However, this type of parking can be exposed to various risks, including theft, damages, fires, or water infiltrations.
📌 Why insure a private parking?
Even if insurance is not mandatory, insuring your garage, box, or outdoor space can save you high costs in case of damages. Many home insurances allow adding these spaces as dependence, but with certain limitations.
🏠 What types of private parking can be insured?
| 🏠 Parking Type | 🛡️ Recommended Insurance | 💡 Particularity |
|---|---|---|
| Enclosed garage | ✅ Yes (home extension) | Protection against theft and fire |
| Outdoor parking | ❌ Not mandatory | High risk of vandalism |
| Residence parking | 📜 Co-ownership insurance | Check for exclusions |
💡 Good to know: Home insurance sometimes includes coverage of private parking under certain conditions. Remember to check your contract!
🔒 1. Insurance for a closed garage: a recommended protection
A closed garage is often considered a dependence of the main residence and can be insured under the same contract. It offers additional security but remains exposed to certain risks:
- Theft and break-in: Forcing the garage door to steal objects or break into the house.
- Fire: Presence of flammable products (oils, fuel, electrical equipment).
- Water damage: Leaks from plumbing or infiltrations through the roof.
🛡️ Protection assured:
✅ Coverage of repairs in case of damage.
✅ Compensation for stolen objects stored in the garage (according to contract terms).
✅ Home extension possible to include a theft and vandalism guarantee.
📌 Tip: If you store valuable belongings (bike, tools, sports equipment), it is advisable to declare their presence to benefit from better coverage.
🚗 2. Should an outdoor parking lot be insured?
A private outdoor parking, whether on your land or in front of your house, does not require specific insurance. However, this type of parking is more exposed to risks:
- Vandalism: Scratches, tags, broken windows on a parked vehicle.
- Natural damages: Storms, hail, floods.
- Civil liability: If someone falls on your private space due to a maintenance defect.
🛡️ Recommended protection:
✔️ Check if your home insurance covers outdoor structures (floors, markings, gates).
✔️ Subscribe to a liability insurance to protect yourself against damages caused to a third party.
✔️ Opt for auto insurance with vandalism guarantee for parked vehicles.
📌 Caution: Home insurance does not cover vehicles parked on an outdoor lot. It is auto guarantees (theft, fire, damages) that take over.
🏢 3. Co-ownership parking space insurance: what does the co-ownership cover?
If your parking space is located in a private residence, it is generally covered by the co-ownership insurance. However, this coverage is limited to damage to infrastructure and does not protect your personal vehicle.
📜 What does co-ownership insurance cover :
✔️ Damage to shared parts (barriers, floors, automatic gates).
✔️ Electrical incidents in underground parking.
✔️ Civil liability in case of accident caused by a defect in maintenance.
🛡️ What you must insure personally :
❌ Your vehicle, which falls under your auto insurance.
❌ Your closed box, which sometimes requires a home extension.
❌ Stocked goods in a box (bikes, furniture, tools).
📌 Tip: Before taking out insurance, ask your co-ownership manager what exactly the collective insurance covers!
🏢 Insurance for a co-ownership parking
If your parking space is located in a collective parking, it is generally included in the co-ownership insurance. However, this collective coverage has certain limitations, and a additional insurance may be necessary for optimal protection.
📌 1. What does the co-ownership insurance cover?
The co-ownership insurance protects the shared parts, including collective parking, in case of damage affecting the entire building or its shared equipment.
🛡️ Typically included guarantees :
✔️ Damage to shared parts (floors, walls, automatic gates).
✔️ Liability in case of accident caused by maintenance fault.
✔️ Fire and water damage affecting the structure of the collective parking.
✔️ Vandalism acts on shared parts (garage doors, barriers, elevators).
📌 Attention: The co-ownership insurance does not cover your vehicle or personal objects stored in a private box.
🧐 2. Should you take out individual insurance for your co-ownership parking?
Even if the co-ownership insures the structure of the parking, you can be responsible in case of damage caused to a third party or damage not covered by collective insurance.
📌 Check with your property manager :
🔹 Is your parking space included in the collective insurance?
🔹 Are vandalism acts on your vehicle covered?
🔹 Are water infiltrations and damages caused by installations covered?
🔹 Is a closed box considered a dependence of your dwelling?
✅ Taking out individual insurance is recommended if :
✔️ You store belongings in your closed box (bikes, furniture, DIY tools).
✔️ You want coverage against theft and damages.
✔️ You are responsible for an accident on your spot (injury to a third party, damaged vehicle).
📌 Tip: Some home insurance contracts offer an extension for garages and private parking lots. Remember to check your contract!
🏠 3. Insurance comparison of guarantees
| 🔎 Coverage Type | 🏢 Co-ownership Insurance | 🚘 Individual Insurance |
|---|---|---|
| Damage to structures (floors, walls, barriers) | ✅ Yes | ❌ No |
| Liability insurance in case of accident | ✅ Yes | ✅ Yes (if subscribed) |
| Water damage, fires | ✅ Yes | 🔄 Optional |
| Vandalism and theft | 🔄 Partial | ✅ Yes |
| Stored goods in a box | ❌ Not covered | ✅ Yes |
🏠 Insurance for rented parking
If you rent a parking space, you may wonder if it is necessary to take out insurance. In fact, it depends on your type of rental. Although insurance is not always mandatory, it is strongly recommended to protect yourself against damages or disputes.
📜 1. What insurance for a rented parking?
The need for insurance depends on the type of rental:
| 📜 Rental Type | 🛠️ Required Insurance? | 🔍 Details |
|---|---|---|
| Parking with independent lease | ✅ Yes | The tenant must take out a liability insurance |
| Included in a housing lease | ❌ No | Already covered by home insurance |
📌 Advice: A landlord owner can take out a non-occupant owner insurance (PNO) to cover their property in case of damage not covered by the tenant.
🔒 2. Why take out insurance for a rented parking?
Although not mandatory, a rented parking insurance is strongly recommended to:
✅ Protect the tenant against damages caused to vehicles or infrastructures.
✅ Avoid financial liability in case of an accident in the rented spot.
✅ Protect against vandalism, theft, and fire risks.
💡 Example:
If a fire breaks out in your rented parking spot and damages neighboring vehicles, you could be held liable for the damages if you are not covered.
👨⚖️ 3. What insurance for a landlord renting a parking space?
A landlord who rents out a parking space can take out a non-occupant owner insurance (PNO).
🛡️ PNO insurance covers:
✔️ Material damages (fire, flood, vandalism).
✔️ The liability of the owner if an accident occurs in the rented parking.
✔️ The coverage of repairs if the tenant causes damages to the infrastructure.
📌 Tip: In the absence of PNO, the owner might have to pay out of pocket for damages related to a disaster.
📑 4. Insurance comparison for rented parking
| 🚗 Status | 🏠 Recommended Insurance | 🔍 Details |
|---|---|---|
| Tenant | ✅ Liability insurance | Covers damages caused to a third party |
| Landlord owner | ✅ PNO insurance | Protects the leased property |
| Occupant owner | ❌ Optional | Possible via a home extension |
📌 Good to know: Some multi-risk home insurances automatically cover rented parking spaces with the dwelling. Remember to check your policy!
💰 What is the price of parking insurance?
The price of parking insurance depends on several criteria, including the location, the type of parking, and the guarantees chosen.
🔎 1. What criteria influence the price?
Insurance companies set their rates based on several factors:
📍 Parking location: An outdoor parking presents more vandalism risks than a closed box.
🏗️ Infrastructure type: A secure box will cost more to insure than an outdoor space.
🛡️ Subscribed guarantees: The broader the coverage (theft, fire, liability), the higher the insurance cost.
📜 Subscriber status: A landlord can take out a specific insurance (PNO) for rental purposes.
💶 2. Average rates of parking insurance
The cost of parking insurance varies according to the type of location and the associated risks. Here is an estimate of monthly rates:
| 📍 Parking Type | 💰 Estimated Monthly Price |
|---|---|
| Outdoor parking | $3 to $6 |
| Underground parking | $5 to $12 |
| Closed and secured box | $10 to $25 |
📌 Tip: A comprehensive insurance for a closed box provides better protection against theft and damages.
🛡️ 3. Guarantee comparison according to price
| 🔎 Guarantee | 🚗 Outdoor Parking | 🏢 Underground Parking | 🔒 Closed Box |
|---|---|---|---|
| Liability | ✅ Included | ✅ Included | ✅ Included |
| Theft and vandalism | ❌ Optional | 🔄 Partial | ✅ Yes |
| Fire and water damage | 🔄 Rarely included | ✅ Yes | ✅ Yes |
| Stored belongings (bikes, furniture, tools) | ❌ Not covered | ❌ Not covered | ✅ Yes |
📌 Good to know: A closed box often allows for including coverage of stored items, unlike open parking spaces.
📑 4. Is it necessary to compare parking insurances?
It is recommended to compare insurer offers, because rates and guarantees vary depending on the contracts.
🔹 Check if your home insurance offers an extension to cover a garage or private parking.
🔹 Request quotes to compare guarantees and deductibles applied.
🔹 Choose an appropriate coverage based on your use: simple liability or comprehensive protection against theft and damages.
💡 Advice: Opting for a comprehensive insurance for a closed box is more costly, but it offers better security against major risks (theft, fire, water damages). 🚗🏡
🚗 What are the criteria for choosing your parking insurance?
Getting insurance for a parking space or a box requires evaluating several criteria to benefit from optimal coverage. Depending on your parking, the guarantees will not be the same.
📋 Key criteria to consider
1️⃣ Type of parking
- An outdoor parking lot is more exposed to theft and weather conditions.
- A closed box offers better security and can be considered an adjunct to the residence.
- An underground parking lot is protected from weather but remains exposed to water damages and vandalism.
2️⃣ Included guarantees
- Liability: Mandatory for landlord owners and useful for tenants in case of damages caused to a third party.
- Fire and water damages: Highly recommended for underground parking and private boxes.
- Theft and vandalism: Essential if you park your vehicle in a risk zone.
3️⃣ Franchise amounts
- Ensure to check the franchise amount applied in case of a claim. Some insurance policies offer total compensation, while others impose a remaining charge.
4️⃣ Insurance rates
- Prices vary depending on the level of guarantee and the parking location. A secured box will cost more to insure than an outdoor space.
5️⃣ Guarantee exclusions
- Some contracts exclude items stored in a garage or a box, or do not compensate damages caused by unidentified third parties.
📌 Tip: Before choosing a policy, request multiple quotes and compare offers to find the most suitable protection for your situation.
🔍 Parking insurance and liability in case of a claim
In case of a claim affecting a parking space, a box, or a parked vehicle, the coverage will depend on the nature of the damages and the type of insurance contracted.
🛠 Who is responsible in case of damages?
| 🔍 Situation | ⚖️ Relevant insurance |
|---|---|
| Fire in an underground parking lot | Co-ownership insurance + home insurance (if impact on dwelling) |
| Theft or vandalism on a vehicle | Auto insurance (theft and vandalism guarantee) |
| Pedestrian fall in poorly maintained parking | Liability insurance of the owner |
| Water damages due to a faulty pipe | Co-ownership insurance (shared parts) or home insurance (private garage) |
📌 Good to know: If you are a property owner of a co-ownership parking space, verify with the syndic the responsibilities covered by collective insurance.
📝 How to declare a claim related to a parking lot?
When a claim occurs on a parking lot or a box, it is essential to declare the incident quickly to your insurer to obtain compensation.
📜 Steps to follow
1️⃣ Take evidence
- Photograph damages (vehicle, structure of the parking, damaged objects).
- If possible, obtain testimonies from witnesses present at the time of the incident.
2️⃣ Declare the claim
- You have 5 working days to report material damages (fire, water damage, vandalism).
- In case of theft, the declaration must be made within 2 working days and accompanied by a police report.
3️⃣ Provide necessary documents
- Insurance contract
- Invoices for damaged items (if applicable)
- Friendly report (in case of vehicle accident)
4️⃣ Consult an expert
- For major damages, the insurer may appoint an expert to assess the extent of the damages and the compensation amount.
📌 Tip: Keep a copy of all documents sent to your insurer for better tracking of your case.
🔎 Which coverage to choose depending on the parking location?
The level of protection of a parking depends on its location and associated risks.
📌 Protection comparison based on parking type
| 📍 Parking Type | 🛡️ Minimal Protection | 🔒 Full Protection |
|---|---|---|
| Closed box | Liability | Theft, fire, water damages |
| Underground parking | Co-ownership insurance | Individual vandalism coverage |
| Outdoor parking | Auto insurance | Guarantee of theft and glass breakage |
| Rented parking | Leasing liability insurance | Non-occupant owner insurance (PNO) |
📌 Advice: If you park your vehicle in a closed box, opt for a home extension covering stored items.
📝 Conclusion
The parking insurance is an essential protection depending on your situation and your parking. Whether you are owner or tenant, it is recommended to review your contract and adapt your coverage according to your needs. 🚘✅
To go further
