My car is stolen but my insurance doesn't pay, why?

Your car has been stolen, and as if this wasn't bad enough, your auto insurance doesn't pay out either. Why can your insurer do this? Does the insurer even have the right to do this? This all depends on a number of factors: including your policy conditions and whether you have taken all necessary measures to prevent theft.

With third-party insurance, theft is never covered: third-party insurance only covers damage done to another person. Do you still want to be covered in case of theft? Then choose limited or full hull insurance. With one of these insurance policies, you are initially covered against car theft. Be aware that even with these policies, there may be certain grounds for exclusion. Did you not lock the car properly? Is your car key not securely stored or have you failed to meet other security requirements of the insurer? Then the insurer may not pay compensation.

The insurer will also not reimburse damages if your car is recovered within 30 days. If your car is recovered and you have met all the conditions, the insurer will, however, reimburse the damage caused to your car by the theft.