A stolen car, a forced door, a car radio or a stolen accessory? Your car insurance can cover a flight, but your compensation depends on the extent of your guarantees. Follow our advice adapted to your situation and the steps to follow in case of theft or break-in of your vehicle.
How Are You Covered By Your Insurance In Case Of Theft?
All auto insurance policies do not cover theft. Third-party insurance packages are generally non-existent, unlike all-risk insurance. If you do not have this reporting in your basic contract, purchase a car theft insurance option that enhances your coverage.
What Are The Events Covered By The Warranty Extension?
Theft protection of an automobile insurance policy generally covers the burglary or attempted theft of the vehicle and the resulting damage.
Most insurance contracts do not provide for theft without breaking. Excluded events are usually:
Carjacking or theft at the door. It is a sting with violence to steal objects in the vehicle or the vehicle itself.
A flight with the mouse. The “mouse jacking” is an electronic flight technique, without breaking, which consists in destroying the computer security of the vehicle.
What Are The Goods Covered?
In general, only the vehicle is covered by theft warranty. Some contracts guarantee burglary and property contained in the car, but it is often necessary to take out a complementary option. The amount of reimbursement of goods is capped at 1500 euros for example.
Are There Any Warranty Restrictions?
Yes. The restrictions and exclusions of guarantee are specified in your contract. They determine the situations in which your insurance cannot intervene. These are, for example, the following situations:
The attempted or stolen theft and attempted theft was committed by a person belonging to your close family or living under your roof.
Theft is the result of a scam. For example, you want to shift your car to a third party. He wants to try it, gets behind the wheel and runs away with the vehicle.
The keys were in or on the craft at the time of the flight. However, insurance does play in a few particular cases: in particular, if physical violence has been committed or a locked private place has been forced. No proof of theft is found on the vehicle: on the lock, the lock, the starter system or the steering column …
You do not have an anti-theft system on your vehicle (4-star SRA device or 4-key device). Anti-theft systems are mainly required by insurers for vehicles under 5 years old and more than 30 000 €.
Your Vehicle Is Found Within Thirty Days
The insurer reimburses you the amount of damage: broken glass, broken lock, towing charges … Depending on your contract, a deductible or a maximum refund may be applied. Be careful; you will generally not be compensated if your car does not show signs of a break-in.
Your Car Is Found After The Thirty Days Delay
He is considered lost. You will be compensated according to the guarantees contained in your insurance contract. If, however, your car finally resurfaces, you will have the choice between keeping the compensation (and waive your rights on the gear) or make the compensation to recover it.
Your Car Is Not Found
You will be compensated according to the guarantees included in your insurance contract. Your car can be fully refunded if the replacement value or purchase value is included in your contract. If this is not the case, you receive a variable sum. It is, in general, estimated by an expert who is often based on the quotation argues of your vehicle. This is the replacement value of the vehicle.
What Steps Should You Take To Be Compensated?
File a complaint with the police or the gendarmerie. Caution, insurance provides a deadline: it is usually 24 or 48 hours.
Make a declaration of the theft of your car to your car insurance within 2 business days of knowing the flight. It will provide your insurer with a copy of the complaint and all the elements necessary for compensation: registration, keys of the car …This is to prove that the theft was committed with a break. Always keep your registration card on you and not in the vehicle.
In case of attempted or stolen items of your car, the insurer details with you the damage suffered and the objects stolen. He can appoint an expert. Then he directs you to an authorized garage, if necessary.