Someone stole my catalytic converter — is that treated as a theft claim?

What should you do?

• Report the theft to the police.
• Photograph visible damage and keep recovery or repair evidence.
• Do not drive the car if it is unsafe or excessively noisy; seek mechanical advice.
• Ask your insurer whether approved repairers or parts restrictions apply.

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 effect on no-claims discount and renewal price depends on the policy and claims circumstances.