Is theft from your car without break-in damage covered?
Have items been stolen from your car, but there is no break-in damage? Normally, the damage caused by a car break-in is covered by your car insurance, provided you have third-party limited liabilityor all-risk coverage. Insurers stipulate the condition that the theft must be proved by means of break-in marks. What about theft from your car without traces of breaking and entering?
Car theft without forced entry
Theft from your car without breaking and entering is not covered by your car insurance. Even if you are not reimbursed for anything, it is important that you always report it. This way, the police can try to track down the perpetrators. With this, you can recover the damage you have incurred from the perpetrators. You can report the crime at the police station, but you can also report the crime online from your home computer or laptop.
In the case of car theft with no signs of forced entry, there is no need to call 911 unless you catch the perpetrator(s) in the act. In that case, the police can come immediately to apprehend the perpetrators.
Additionally, there are a number of things you can do to increase your chances of receiving insurance reimbursement. Try to prove the theft through surveillance footage that captured the burglary. Find out if there have been more car break-ins in the neighborhood, with no signs of forced entry. If there are frequent nuisances in the neighborhood, the police can take additional measures and mobilize the neighborhood to reduce and prevent future burglaries. In addition, always check carefully that your car is locked. Do not put valuables in your car and make sure it is properly secured.
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Theft of car without forced entry
Are you a victim of theft from your car without breaking and entering and do you have current contents insurance? Then it is wise to check the policy conditions of your contents insurance. Sometimes items stolen from your car are covered under the out-of-home coverage of your home contents insurance. Again, you have to be able to prove the theft by means of traces of breaking and entering. If there are no traces of breaking and entering, it is unfortunately not possible to claim these items on your home contents insurance.
Excess and claim-free years
Because in most cases there is no coverage from your insurance and the perpetrators are unknown, you will have to pay the costs yourself. As a result, your deductible or claim-free years will not be affected.
However, if your car does have break-in damage, then this damage is covered by your car insurance if you have at least third-party limited liability coverage. In case of break-in damage, you will not fall back in the number of claim-free years.
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