Car insurance providers ‘may refuse’ to pay for stolen Christmas presents this December

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Car insurance firms are likely to offer some cover for gifts which are taken form your car in the run-up to Christmas Day but expensive items may be exempt due to price cap rules. Experts at USwitch warn this allowance can range from £100 to £1,000 and is dependent on your provider and the type of agreement you have signed up to.

Drivers are urged to check with their provider as soon as possible to avoid having Christmas ruined by simple legislation.

A spokesperson for the firm said: “Whilst we don’t like to think anyone would steal Christmas presents from our car, unfortunately it does happen.

“So it’s important to take extra precaution in the run-up to Christmas.

“If items are stolen from an unlocked vehicle, car insurance providers may refuse to cover the cost of the goods.

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“It’s also worth checking your policy, as expensive items may not be covered due to personal possession limits. 

“Comprehensive car insurance policies will typically include some level of personal possessions cover but it doesn’t usually come as standard on other policies, such as third party only and third party, fire, and theft.

“The amount you can claim for personal possessions on your car insurance can vary depending on your provider and your policy agreement, however many range from £100-£1,000.”

The Association of British Insurers (ABI) says many insurers tend to get into the festive spirit and automatically increase cover for around 10 percent of your sums insured to cover the value of presents.

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However, the ABI warns the extra cover finishes in January so drivers cannot fall back on the same excuse for the January sales.

The agency has urged drivers to check expensive items like laptops are never left unattended in vehicles as these can be attractive to thieves.

They add Christmas is looked upon favourably by burglars with the average haul for thieves coming to £2,250.

Research from Allianz also found 71 percent would hide gifts in cars with a quarter saying they happily keep gifts more than £100 in a vehicle.

Which? has also urged caution revealing up to 46 percent of shoppers have admitted to leaving new purchases in the car.

However, the consumer watchdog has warned insurers will not need to pay out on goods if your car was left unlocked or a window was left open.

They add some policies will still refuse to pay out for items which have been secured ion the car boot or glove box.

Which? adds drivers may lose their no claims bonus by making a claim which will likely increase the price of your insurance in the long run.

USwitch confirms this, adding drivers monthly premiums will rise which could be devastating for cash-strapped road users.

A spokesperson added: “It’s also worth noting, even if you are covered, making a claim for stolen presents may also result in the loss of your no claims insurance, which will increase your premiums.

“Expensive Christmas presents stored in a car make your vehicle a higher target for thieves, so to avoid falling victim to the crime, it’s safer to remove them when you leave the car.

“If you have no choice, make sure valuables and shopping are locked in the boot, taking care that nobody is watching you.

“The same can also be said for expensive food and alcohol which could also make your car more attractive to criminals.”

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