Car Broken into and insurance.

yoshifumu

Hi my car was broken into today (Ka 54 reg).

Our satnav was stolen, but the rest is ok. Called the police but they're not sure how much they can do with only a brick as evidence.

Talking to one of the people nearby apparently there have been 3 similar break ins, on sundays, during the afternoons, within a couple 100 metres of each other. So not parking there again.

This was in SW london.


We called the insurance company (elephant). I've heard a couple horror stories about them when you make a claim, but so far they've been quite good. Apart from the glass fitter not picking up his phone.

I want to know:

1) will this affect my premium?

2) Can I get it fixed outside of my insurance?

waynedance

If it is just the glass you want fitting then it will not effect your insurance, that is if you do not claim for anything else.

I guess it would cost you glass excess or approx £50-£70 if you have cover. If no cover got it fixed yourself. simples.....

Oh and try not to leave any valuables in the car and leave glove box open when leaving in dodgy areas.

yoshifumu

waynedance wrote: »

If it is just the glass you want fitting then it will not effect your insurance, that is if you do not claim for anything else.

I guess it would cost you glass excess or approx £50-£70 if you have cover. If no cover got it fixed yourself. simples.....

Oh and try not to leave any valuables in the car and leave glove box open when leaving in dodgy areas.

Definitely learnt the lesson of not forgetting about valuables in sight.

Although I left the car in what is normally a really safe part of London.

Hintza

yoshifumu wrote: »

I want to know:

1) will this affect my premium?

2) Can I get it fixed outside of my insurance?

1) Probably

2) Yes

I would have thought first before calling the insurer. I think you need to ask them what is your best course of action

You now have a claim that (probably) needs to be declared for the next five years.

scotsbob

Toio late for you now but if you have a Satnav then drive out of your postcode area to set the locking code.

This prevents the thief either at the time or a day or two later standing outside your house to change the code.

Quentin

yoshifumu wrote: »

I want to know:

1) will this affect my premium?

2) Can I get it fixed outside of my insurance?

1) You will have a claim on your record. To see what effect this may have you can do some virtual quotes online with and without this theft on your record to see what difference it makes to your premium.

Any change won't come till renewal, when as always, shop round for the best deal.

Your NCD could be affected (definitely if you claim for the stolen item, and possubly for the glass replacement - check your policy)

2) You can cancel your claim and reimburse your insurer any costs they have incurred and pay for your own costs (this will preserve your NCD (if you have any, and it is unprotected), but the theft will now be on your record and will have to be declared to any insurer you approach in future (next 5/3 years) for a quote)

Rikki

The cost of replacing car window glass is very expensive if you organise it yourself. OH car was broken into through the rear windscreen and the glass cost was over £600 without fitting. You are better off going through the car and just paying your window excess.

Quentin

Rikki wrote: »

The cost of replacing car window glass is very expensive if you organise it yourself....

Not necessarily.

If you want to get the job done privately, contact local independent fitters for quotes, not national companies who are "insurance approved".

Their prices are much cheaper!

chrisw

Rikki wrote: »

The cost of replacing car window glass is very expensive if you organise it yourself. OH car was broken into through the rear windscreen and the glass cost was over £600 without fitting. You are better off going through the car and just paying your window excess.

OP doesn't say which window but break-ins are usually through the side window. They can be picked up for around £10 second hand but are a bit fiddly to fit, especially in this weather.

s_b

got to say i would have got someone to fit a glass for me rather than involve insurance because its going to work out very expensive this next 5 years on your proposal
my brothers car many years ago was broken into in manchester for a 50 pence piece in the centre console
i once had both front windows screwed one cold winters morning in a large city, turns out not just my car but the whole row, we all had shattered windows, turns out the kids were practicing so they could probably go twocking that night
it was a long cold drive home
OP i dont know if you know but the scum of this world look for the ring mark on the windscreen as a sure sign of a satnav and they know most times its still in the car somewhere,they might even have watched you put it somewhere whilst they were nearby looking cute and innocent

System

scotsbob wrote: »

Toio late for you now but if you have a Satnav then drive out of your postcode area to set the locking code.

This prevents the thief either at the time or a day or two later standing outside your house to change the code.

Locking code on a sat nav?