Car stolen and recovered, notify insurance?

Aimeeheathcote

Hi, help needed!

My car was stolen last night, thief came in my house and stole my spare car key. Car was recovered a couple of roads down.

There is no damage to the car, I have had my sat nav stolen and that is all.

Problem is, my spare key was not recovered, so I need to get my locks changed.

Do I NEED to tell my insurance company? Excess is high, and as I am only 23, my premiums will go up ridiculously I'm sure.

Any advice?

Thanks

forgotmyname

You are supposed to notify them of any losses or incidents.

Personal choice. If its stolen with a key and shows no visible damage they may not payout.

Where is the car parked now? Have you immobilised it?

Aimeeheathcote

No visible damage at all, doesn't even look like they've drove about in it (petrol line at same point). It's outside, battery has been removed for now and have blocked it in.

Quentin

Aimeeheathcote wrote: »

.....Do I NEED to tell my insurance company? Excess is high, and as I am only 23, my premiums will go up ridiculously I'm sure.....

Your policy conditions do require you to tell your insurer about this theft, and it must be disclosed when applying to other insurers for quotes.

But it shouldn't affect your excess.

You can see what affect it has on your future premium by doing dummy quotes online with and without the theft in your history.

(Changing locks/keys etc may be pricey, and you may find you want to make a claim - if you are covered)