My car was stolen while it was warming up on my driveway — am I insured?
What should you do?
- Report the theft to the police and insurer immediately.
- Describe exactly whether the vehicle was locked, where you were and how long it was unattended.
- Check the theft and security exclusions in your policy.
- If the claim is declined, ask for the decision and relevant wording in writing.
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.
Do not assume that being on your own driveway guarantees cover.
Policies commonly contain security conditions or exclusions relating to keys and unattended vehicles. Report the theft promptly, but do not assume that comprehensive cover guarantees payment in these circumstances.
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