My car has been stolen. What happens with the insurance?

Report the theft

Contact the police and obtain a crime reference number. Then notify your insurer promptly using its theft-claim procedure.

Have the keys and documents available

The insurer may ask about keys, security devices, purchase documents, finance and the circumstances in which the car disappeared. Be ready to explain anything unusual.

Settlement is not necessarily what you paid. For many ordinary motor policies, a total-loss settlement is based on the vehicle’s market value immediately before the loss, subject to the policy terms. Finance outstanding on the car is a separate issue.

Personal belongings may be limited

Items left in the car can have separate limits or exclusions. Check whether they are covered under the motor policy, home insurance or not at all.

If the car is recovered

Tell the insurer and police immediately. Don't assume that finding the car ends the claim: it may need inspection for damage, missing parts or safety issues before it goes back on the road.