LV transferred the policy to the replacement vehicle for a charge of £87. All taken into account they were excellent, settling the claim acceptably and keeping me covered.

Assuming that you are claiming the value of the stolen car from your insurers, that will end your Insurance Policy. Any replacement car will need a new Policy.

Imagine you purchase a 12-month car insurance policy for £1,200, with a £300 excess.

If your car gets stolen or written off early, say within the first month, you essentially lose the remaining 11 months of coverage.

This means you’ll need to buy a new policy, which might cost around £1,100, plus you'll have to pay the £300 excess again.

So, your loss is £1,400 in total. It is unfair. As the whole point of the excess is what you pay which should be £300 and not hidden extras.

On top of that, your insurance premium could increase for the new policy.

It is important to read the policy.

The thief (s) broke into the house and stole the keys and took the car and took possessions from the house too. I made the mistake of having our key rack near the front door. It seems the best thing is to put keys well away from the front door and concealed.

I too am with LV for car insurance but can you give us some more clues about which house insurance you are with ?