I wonder if the insurance issue is a case of “loading up” as the police call it when they add multiple offences to the original charge, just to make sure they get the culprit for something. Unless the insurers or fire saftey people have issues a warning, this is a bit of a furphy, albeit an understandable one. Go back to any by-laws that state what can or can’t be stored in a parking space, and others about the appearance of lots FROM common property and that should be enough.