Car insurance questions/Theft.

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2005/08/04 23:14:56 (permalink)

Car insurance questions/Theft.

I had a question, And prefer to not ask the insurer as if it ever was to happen and they have a recorded previous convo... it might look dodgey/set up.

If you were to have your Car keys robbed (From house or from yourself), would insurance cover that as theft?

Its not direct theft(I.e. breaking in as they have keys) but its theft of keys?

Also, if this was to happen but the car was not taken could you have the locks/ignition changed and would insurance cover this?

p.s. Anyone experienced this? What did you do? How much is it to change ignition/locks(I assume its possible)?


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    RE: Car insurance questions/Theft. 2005/08/04 23:39:13 (permalink)
    Yes .. it's like when the keys are hooked by a cane through the letterbox .. still classed as theft. Might look dodgey if they just took the keys but not the car.
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    RE: Car insurance questions/Theft. 2005/08/05 10:23:24 (permalink)

    most policies include a section specifically for loss/theft of keys and therefore will pay for replacement locks/keys/infrared keypad and normally this doesn't affect your no claims bonus. Obviously, if the policy is Third Party only this wont be covered.

    Following the theft of the keys, if the car were then subsequently stolen, before insurers would pay out you would probably be asked to prove how the thief knew your identity/garaging address of the vehicle (this wouldn't be a problem if the keys were taken from your home).

    Theft of keys directly from your vehicle is usually excluded.

    hope this helps.

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