Car Broken into and insurance.

scotsbob

!!!!!! wrote: »

Locking code on a sat nav?

The code, the pin number, the digits you enter to use it.

Like when you switch on and you are faced with the key pad to put your coded numbers in.

Like when you get it you find 0000 but everyone gets that so you change it to a number of your choice like 8941.

Bank money machines have the same thing you have to put in four numbers before they work properly.

If you don't put your code in the thing doesn't come on and you can't get the maps to see where you are going. It's to stop people stealing them.

System

Must be a new idea, I have 2 Tomtoms and neither has a pin facility.

yoshifumu

Quentin wrote: »

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)

I didn't have any NCD, as this is my first car, although I was a good way to getting my first years NCD.

I only claimed on the break in though, not the theft. Would that change anything?

Bit of a !!!!take that someone breaking into my car means that I have to pay more.

chrisw wrote: »

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.

Yup rear side window. Now left with half a brick as a souvenir. Not too sure what to do with it.

scotsbob wrote: »

The code, the pin number, the digits you enter to use it.

Like when you switch on and you are faced with the key pad to put your coded numbers in.

I'm the same as above. The satnav didn't have a pin code. Was also out of charge with a broken car charger though. So maybe that'll stop them.

yoshifumu

s_b wrote: »

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

That's pretty horrible.

By the way has anyone dealt with national windscreens?

that's the company my insurers got me to deal with.

luci

I have a Garmin and it needs a pin, but it only allows you one attempt at putting it in before locking it for a while.

Quentin

yoshifumu wrote: »

..I only claimed on the break in though, not the theft. Would that change anything?

You still have a claim on your record which will have to be disclosed to any new insurer you approach. (The "break in" was a theft, so I presume you mean you haven't claimed for anything but the glass)

If so, then check your policy, as most insurers don't impact your NCD for making a glass claim. (Though if you can get the window repaired yourself for roughly the same (or not much more) as your excess, then it will be worthwhile cancelling the claim, thereby changing the way you have to declare it from a "fault" claim to a "non fault" loss.

forgotmyname

Accident, Claim or Incident even if no claim is made is usually the wording. So you now need to declare that for approx 5 years and most likely pay a bit extra whether you claimed or not.

iainscomputer

!!!!!! wrote: »

Must be a new idea, I have 2 Tomtoms and neither has a pin facility.

I have a TomTom, bought as a re-con in 2009 & it has a pin code setting. I think the thieves can re-flash them, but it does make things more awkward for them!

mattyprice4004

One thing that I don't follow... why would you ask if you can replace it yourself? Of course you can, it's no different to any other repair.`

wobbley

The most effective action you can take to avoid being a victim of car crime is to remove ANY visible evidence that you own a sat nav. The 'tell tale' ring on the screen or actually leaving the mount stuck to the glass (Doh !), the charger in the console, even a vacant lighter socket can give a thief a reason to break in. They know that about half of the sat nav owners are "dead clever" (NOT) and hide the unit either in the glove box, or reach round and put it under the passenger seat.

A glass claim will usually not affect an NCD but it IS a claim and you may be loaded for it. You will also have to declare it. And don't be tempted 'not to' as it will be on the Motor Insurers Database. You can avoid this only if you don't report it to the insurers / police / approved repairer and pay for the repair in full. Technically it is still a 'loss' and should still be declared, but since when were the insurance companies fair with us?

"I was only away from the car for a few minutes."...... - THEY ONLY NEED 15 SECONDS AT MOST !