If your car insurance policy covers comprehensive coverage, you should be covered up to the vehicle’s actual cash value (ACV) in the event of theft or damage to the car during burglary. Does car insurance cover stolen car?

Insurance against car theft required

Comprehensive insurance is the only form of insurance that refunds in the event of theft or damage of a car as a result of a burglary, even if the car is recovered. Comprehensive insurance is designed to protect against vehicle damage caused by various non-collision events, such as floods, fallen branches or vandalism. And if a rental refund insurance has been added to your policy, you’ll also get a refund of your car rental fees (up to the limits) while your insurer is examining your claim. However, comprehensive insurance is an optional accessory and you should check with your insurer if your policy covers insurance. If this does not happen, you will not receive compensation related to the theft of the car.

If the car is stolen, you must immediately inform the police, insurer and lender.

Advertiser disclosure

Car theft can be a nightmare. You know that your car insurance will protect you against compensation claims in the event of an accident, but does car insurance cover theft?

The answer depends on the type of insurance you have. If you have comprehensive insurance coverage, your insurance will cover car theft, vandalism and any repairs necessary due to burglary damage.

Does car insurance cover stolen car?

Read on to find out more about types of insurance covering theft, what you can do in the event of car theft, as well as the best insurance companies on the market that offer theft protection.

You can also use the tool below to see which suppliers are available in your area and compare offers.

Pro tips for dealing with car theft

It may seem like a real nightmare when you discover that it is not where you parked it. It is important to remain calm and consider if something else has happened.

  • Has it been parked illegally and towed away?
  • If you have payment arrears, has it been taken over?

Call the police to find out if the lender has been confiscated or claimed. If not, immediately report the vehicle as stolen. Remember that vehicles with tracking devices can help the police recover the car.

Finally, contact your insurance company immediately to file a car theft claim.



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