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Wrong.
I spoke to Bell on the phone, i said i have underground parking at my flat but i wont always be parked there, it will be on the street sometimes.
He said as long as you have the facilities that you have on your insurance reguardless of where its kept it doesnt matter.
However if you...
Go with Bell, put your mum/sis/aunt on the insurance.
Excess at about £250-£350 (not reccomended but will bring it down)
Do a quote for in the garage and then adjust it to the street. Belive it or not its cheaper for me to insure my car on the street than a 24 secured underground parking...
If the AC isnt on, then its just a fan, which i dont think is very cold.. but if its still blowing hot air out with AC on, theres an issue.
Maybe the aircon needs refuelling.. ?