Showing posts with label auto theft insurance. Show all posts
Showing posts with label auto theft insurance. Show all posts

Tuesday, April 20, 2010

10 tips to avoid the auto theft


Worst ever experience, your car is stolen! And then you start reading your insurance cover, which you probably have never done before. Further to my previous post regarding the claiming the stolen car insurance, here are few tips to avoid getting burned.

1. Theft protection devices are not enough: Don't think theft protection vehicle is enough to protect the auto theft. Expert experienced thieves can easily unlock your car.

2. Parking: Park your car in an area that is well-lit and near lots of people or in attended lots. People most of the times, park the car in area where no one can see the car they think, but they invite the thieves in a way.

3. Take your keys: Nearly 20% of all vehicles stolen have the keys in their cars. Or don't even keep your extra keys in your car.
Lock the car: Approximately 50% of all vehicles stolen were left unlocked. Lock it even if it's parked at your own parking.

4. You display and you pay: Keep valuables in your car hidden.

5. Use emergency brake: Emergency brake makes your car harder to tow.

6. Mechanical locking device: You can buy this to lock the steering wheel, or an auto theft alarm system will also do.

7. Disconnect either the battery from the distributor cap if you are planning not to use car for few days. Thieves might not be interested in diagnosing why the car does not start.

8. Don't leave car registration and insurance card your car: Your stolen car will be easier to sell for thieves. You can carry alongwith you instead of keeping them in your car.

9. Consider car models while going for new car: Few cars have higher incidences of car thefts.

10. Vehicle Identification number (VIN): Etch VIN on your car doors and major parts. Car becomes easier to trace.



Thursday, April 15, 2010

Stolen car insurance claim- few tips

As promised in my last blog post related to car accident insurance claim , I am back with some handy tips for your stolen car insurance.

Yes, so you realised finally, your car has been stolen and fortunately no insurance premiums are due. It’s time to take a call.

Consider the points below

  • You must inform the police immediately. Speedy actions are crucial, because car might be mishandled by thief. It can be driven far away from the city. And there will be further delay in theft insurance claim.
  • Inform your car insurance broker/company
  • Know your insurance policy. See if you are covered for a replacement rental car if your car is stolen Ask your car insurance company, how much time will be required to resolve your claim in this case.
  • Insurance company try to gain time few times to allow police to investigate further about stolen car recovery. Because you don’t need insurance in case your car is recovered back as it was.
  • Meanwhile if you find your vehicle let your insurance company and police know about the car details and the whereabouts.
What if the thief meets an accident while driving you stolen car

You are not responsible for it for obvious reasons.

What if your car payments are due

Car financing companies may expect the payments before your car insurance claim is resolved. In case of delay in your case, the overpayment of the car payments and the insurance premiums can be rebated with the interest.

What if your personal property in car is stolen or damaged

Again check your policy, under a comprehensive policy, you might get certain amount may be covered though not the full, may be around £150.

Why get into all this when probably you can minimise the chances of your auto theft...Coming up next.