Car crash in a car park?

Is it true that if you have a accident in a car park its at the owners risk and car insurers wont want to know
Answer
In some cases yes because the accident has not taken place on a public highway so its up to the insurance companies descretion, it happened to my mate where i used to worked they had an accident in the car park and the insurances company didnt want to know, i suppose it all depends who the insurance company is.