My car keys were stolen from my house — should I tell my home insurer or car insurer?
What should you do?
- Report the theft to the police and keep the crime reference details.
- Tell your motor insurer promptly and ask about recoding or replacing keys and locks.
- Notify the home insurer if you are claiming for the burglary or other stolen items.
- Follow any security instructions given by the motor insurer.
What can make a difference?
The result can depend on your level of cover, exclusions, excess, information given when the policy was arranged or renewed, who was driving, and the precise circumstances. Two policies both described as “comprehensive” can still contain different terms.
The two policies cover different risks, so notifying one insurer does not necessarily notify the other.
Your motor policy may deal with vehicle keys or security, while a home policy may respond to theft from the house. Notify the relevant insurers promptly and let them confirm which costs, if any, fall under each policy.
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