Smart parking habits that protect your car (and your policy)

Why car parking matters (more than you think)

For car owners, parking is simply about finding a space and turning off the engine. But honestly? It’s more than that.

The hidden cost of bad parking

Bad parking habits often lead to the following consequences -

• Scratches & dents
• Broken side mirror
• Flood damage
• Theft & vandalism
• Towing-related damages

Each of the above-mentioned consequences can cost you thousands of pesos. Also, if you save your money via filing a claim, note that frequent claims may increase your premium.

Also Read: What is car insurance, and why does every Filipino driver need car insurance

Insurance providers & parking

How do car insurance companies view parking-related incidents? This question is essential but still less asked. The thing is, providers assess risk; therefore, if a policyholder frequently files claims for avoidable parking-related incidents like minor dents, flood damages (in known zones), etc., it may lead to -

• Hike in premium
• Reduced claim benefits
• Increased investigation

Therefore, it becomes important that car owners adopt smart parking habits - it’s not just about safety but financial security too.

Smart parking habits every car owner should adopt

Choose a well-lit & secure parking spot

Parking in a dark corner might save you a few efforts, but it can cost you big time. Why?

Criminals prefer dark areas; good lighting is recommended because it makes your car more visible, deters theft, and reduces the risk of vandalism. In busy cities like Manila, Cebu, and Davao, proper visibility matters.
Prefer secure parking areas with at least one of the following: a security guard, CCTV cameras, or controlled entry & exit points. Yes, you may need to pay a few extra pesos for parking, but it is worth it compared to the cost of damage or total loss.

Avoid parking in flood-prone zones

Let’s be real, flooding is a common and serious concern for car owners in the Philippines. Therefore, before parking long-term or during heavy rain, check local flood maps.

A few common flood-prone areas in the country that must remain clear during the monsoon include Malabon, Marikina, parts of Manila, and low-lying flood zones in Quezon City.

How flood damage affects insurance claims
Most policies cover flood damage - but not all. If you knowingly park in flood-prone areas and ignore warning signs, your claim might be questioned.

Flood repair typically involves an engine overhaul, electrical repairs, and interior restoration. Therefore, it is better to be safe than sorry.

Park straight & within the lines

It is pretty basic to park straight and within the lines, but still, many drivers ignore it. Here are a few basic habits to consider -

• Prevent side scratches & door dings: Do not park crooked, as it can lead to issues such as other drivers being unable to access their cars and damage to your vehicle’s doors and side panels. Remember, a simple adjustment can save you thousands in repair costs.
• Respecting parking lines: Be considerate and follow the lines. It will also reduce conflict with other drivers. Note: Good parking habits create fewer problems in tight spaces.

Fold your side mirrors

In the cities, parking spaces are limited. While navigating through narrow streets and tight parking lots, side mirrors are often the first casualty. In such situations, folding mirrors can prevent accidental hits, avoid costly replacements, and reduce repair claims.

Note: Replacing side mirrors is not cheap; it may cost anywhere from PHP 5k to PHP 15k.

Don’t leave valuables inside

Even a small bag or small items can attract thieves. In urban areas, smash-and-grab crimes are on the rise, with visible items such as laptops, phones, wallets, and shopping bags that attract theft.

Note that even coins on the dashboard can tempt thieves, so make sure you park your car with a clean, empty cabin.

Also Read: Driving without car insurance in the Philippines: 8 alarming consequences you must know

Use your handbrake properly

When you park in incline spots, it is important to engage the handbrake properly. Not doing so can cause rolling accidents, and the provider can deny your claim (as you are liable for damages).

Here is a step-by-step guide to safely park on incline surfaces -

• Engage handbrake
• Turn the wheels towards the curb
• Use first gear (for manual cars) and press ‘P’ (in automatic cars)

Mind the trees and structures above

Shade is nice, but it is important to ensure your and your car's safety. Falling branches during storms & debris in construction areas are major parking risks. Similarly, parking under old trees can cause windshield cracks, roof dents, and paint damage from falling branches.

Also Read: How to get car insurance in the Philippines: A step-by-step guide

Be careful in the basement parking

Basement parking is convenient, but tight corners and blind spots are a major concern. Many malls' basement parking has low ceilings, narrow ramps, and sharp turns. It is important to drive slowly, use mirrors, and be patient.

Minor collisions in the basement are common, but often avoidable.

Lock properly & double-check

Don’t assume your car is locked; double-check by pulling the door handles. A simple check takes two seconds but prevents heartbreak.

Understand your coverage

Every car owner must understand their insurance policy - know what is covered and what is excluded. Why? This ensures your parking decisions match your protection level.

CTPL insurance is mandatory for all and covers damage to third parties, but it does not cover your car repairs. Make sure to get comprehensive insurance with coverages such as theft, flood, vandalism, and own damage. If required and possible, opt for add-ons.

Also Read: First-time car owners: What type of insurance do you need?

Bottom line

At the end of the day, your car deserves care - even when it is parked. You do not require special skills to park safely; what is required is awareness, a little patience, and smart choices.

In the Philippines, where traffic, flooding, and tight spaces are part of daily life, being mindful of parking can save you from unnecessary stress, costly repairs, and insurance-related headaches.

Remember, protecting your car isn’t just about driving carefully, but it is also about how you park.

Also Read: How to compare car insurance quotes like a pro in the Philippines

FAQs

Q1. Does parking location affect insurance claims?
Ans. Yes, it does. Parking in risky areas may require insurers to review your claim more carefully. And can even be considered as an act of negligence.

Q2. Should I choose paid parking over open parking?
Ans. Choose paid parking if security is good, as it will significantly reduce theft risk.

Q3. Are basement parking spaces secure?
Ans. Generally, yes, but please drive carefully due to tight spaces.

Q4. Does leaving valuables in the car affect my claim?
Ans. It might as some insurance providers can deny claims on the basis of negligence.

Q5. Is parking under a tree safe?
Ans. Generally, yes, but not during strong winds or storms, as falling branches can damage your car.

Q6. How can I reduce day-to-day parking-related risk?
Ans. Make sure to choose a safe parking spot, park properly, lock securely, and stay alert.

Also Read: Thinking of switching insurance? Here’s the good & bad