I am currently planning a solid masonry carport for a new build. Initially, I decided against a garage door because I find a carport simpler. You can just drive in and out without having to open a door. Since I won’t be storing anything valuable in the carport, I didn’t see the point in having a garage door. The charging station in the carport can be switched on and off from inside the house, so misuse is ruled out.
What do you think? Are there good reasons for a garage door that I might have overlooked?
What do you think? Are there good reasons for a garage door that I might have overlooked?
H
hanghaus200017 May 2021 13:09askforafriend schrieb:
Are you referring to the fact that the insurance premium is about 3.50 euros cheaper? 🙂No, that’s just one of many arguments in favor of a garage door.The cheaper insurance has its reasons. Where did you get the 3.50 from?
H
hanghaus200017 May 2021 13:22pagoni2020 schrieb:
In which direction should this influence or change the way of thinking or the demand in this respect?
In that case, the insurance evaluation should also be based on the specific vehicle model, type of drive, etc. A necessary insurance should cover the preferences I previously chose, not the other way around. The insurance gives you a discount for minimizing certain potential damage scenarios. A lower risk of damage is, for me, an argument in favor of a garage door. This is not just about €3.50, but for example a €300 (approximately $320) deductible. Not to mention the hassle.
P
pagoni202017 May 2021 13:30hanghaus2000 schrieb:
The insurance offers you a discount for reducing some potential damage scenarios. Lower risk of damage is a reason in favor of having a garage for me. However, you shouldn’t let your spouse drive either, nor you, children, or other people, in any case 😀
At least for me, I would approach this insurance issue the other way around—first assess the need, then choose the appropriate and necessary insurance.
Here, too, every construction method has its pros and cons, and each user has different criteria that influence such a decision.
H
hanghaus200017 May 2021 13:44pagoni2020 schrieb:
Then you shouldn’t let your spouse drive either, or them let you, and of course never the children or anyone else 😀 What does that have to do with the garage door again? Exactly for those risks, insurance charges you extra. Also, there is a discount for a vehicle parked in the garage because of the lower risk. I’m not building the garage for the insurance, but to ensure that my car is safely protected from others.
P
pagoni202017 May 2021 13:57I understand what you mean, but personally, I wouldn’t let the specifications or calculations from an insurance company influence my decision for or against a garage or carport, not even when it comes to the garage.
askforafriend17 May 2021 13:58hanghaus2000 schrieb:
The cheaper insurance has its reasons. Where did you get the 3.50 from?3.50 is a colloquial expression meaning "the argument isn’t valid due to insignificance."
But I’ve done the calculations for you: with HUK, for example, you pay exactly 11 euros per year more if the car is not parked in a lockable garage. Although the insurance terms require that the garage must actually be locked—you need to prove that.
I fully agree with the argument that the garage is more of a utility space rather than adding real value for the car. Another neighbor, for example, has an old 3-series Touring (probably worth around 5,000–6,000 euros), and the car is parked outside—while he uses the garage inside as a workshop and so on. In that case, your theft argument applies if it’s about tools, for example.
Most people I know don’t use their garage as a garage but as a workspace. As mentioned above: it’s a matter of personal preference—hardly anyone does it just because of the car.