What is life like with your car? Let us know and win £500 in John Lewis vouchers | No thanks
Our car was stolen and used in a crime - do we have to accept it back from the insurer?
Our car was recovered after being stolen and used in a crime. It looks like we will have to take it back from our insurer even after giving them the keys and logbook. My wife is traumatised by all this and we don't want the car back. We feel we will have to sell it and lose a lot of money as we will rightly have to say it was stolen. We have no idea what happened to it over the last 22 days, but it cant be good. It's only a car, but the damage the thieves have done to us personally and financially has hit us hard.
Asked on 14 May 2018 by Jeremy Davis
Answered by
Honest John
It's unlikely that your insurer will not total loss the vehicle as they have no idea what has been damaged whilst in the hands of the criminals. I would ask them to place, in writing, that they agree to cover any possible mechanical defect to all of the running gear, engine, gearbox and electronics - as well as wear and tear to all components of the vehicle. They categorically will not want to write and agree to that, as such you may well find the vehicle will be made a total loss very quickly. Advise them that you will contact them for every single thing that fails and request it be replaced over the time you own the vehicle, as it may have failed as a result of the theft.
We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.
Insurance group finder and how to save on insuranceSimilar questions
We were burgled at Christmas and our car was stolen using my wife's car key. This has now been settled, but it's been registered as an at fault claim. How is the theft of a locked, alarmed and secured...
Earlier this year I bought a new Porsche Cayenne and paid to activate the inbuilt tracker system. It occurs to me that, being a factory-fitted item, they are possibly all the same, enabling thieves to...
Our treasured Honda Concerto with mileage of 27,499 has just been stolen. We are receiving shoddy service from Direct Line despite being long time customers with fully comprehensive insurance. Could you...
Elsewhere on 
.jpg)
