Someone attempted to steal my car but only damaged the locks and steering column — can I claim?
What should you do?
- Report the attempted theft to the police and keep the reference number.
- Photograph locks, steering column, windows and other damage.
- Do not use the vehicle if steering or security components are unsafe.
- Contact the insurer before arranging major repairs unless emergency work is necessary.
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.
Attempted theft can still be an insured event even when the vehicle was not actually taken.
Comprehensive policies may cover damage caused during an attempted theft, but the excess, security conditions and exclusions can vary. Report the incident to the police and insurer and check the policy before authorising repairs.
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