Car theft: in which cases does the insurance not pay?

Posted by Lone on January 4th, 2022

What are the reasons why the insurance does not compensate you in case of car theft? You must pay attention to what is indicated in the clauses.

You are insured against auto theft but have not received any compensation. It may depend on the clauses of your policy but also on the behavior you have adopted.

When does insurance pay for auto theft?

It may happen that despite having the theft and fire policy for your car, you will not be able to obtain the related compensation if the insured event occurs.

This happens because the IVF policies contain clauses that protect the company in case of behavior by the insured that puts the vehicle at risk.

One of the striking cases that surely makes the insured lose the right to compensation in the event of theft, occurs when you leave the keys in the car attached to the dashboard. The companies compensate for the theft only if all the keys of the stolen vehicle are returned.

If the insurance company indeed proves the negligence of the insured, it can refuse to pay the compensation.

The Court of Vicenza states that the contractual conditions exclude:

the operation of the insurance coverage in the event of gross negligence of the insured or of the persons who, on behalf of the same, have it available for various reasons.

The case discussed by the Court of Vicenza concerned a man who had left his car keys in a hotel room left open. This way the thief easily sneaked into the room, stealing the keys and then the car. The owner of the car was therefore also denied compensation by the judge.

What should you do if your car is stolen?

If your car is unfortunately stolen, you need to take steps:

• report the theft to the Police or Carabinieri, also indicating including the theft of the booklet and the CDP if they were in the car;
• bring the complaint issued by the police to the Pra, to start the practice of \"loss of possession\"; in this way, you will not pay car tax and any fines detected from the time of the theft onwards;
• go with the insurance report, within three working days, to initiate the claim.

The insurance company must deliver:

• copy of the report, as mentioned;
• both copies of the car keys are in your possession.

As mentioned, the keys are used to immediately verify that the theft is not due to bad custody of the keys.