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Insurance: compensation for theft or attempted theft of a vehicle

Verified 01 janvier 2020 - Directorate for Legal and Administrative Information (Prime Minister)

Insured compensation for theft or attempted theft of the vehicle is not automatic. The guarantee against theft is not mandatory. The insured must therefore have taken out this specific guarantee in order to be covered against this risk. Furthermore, the scope of this guarantee depends on the contracts. Thus, the warranty may include or exclude vehicle accessories. In addition, to be compensated, the insured must respect the steps to be taken.

Flight insurance is not required.

This warranty provides compensation for theft or attempted theft of the vehicle or an accessory.

In order to benefit from this compensation, the insured must have taken out this guarantee when signing his contract.

The conditions of compensation depend on the circumstances of the accident suffered by the vehicle.

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Traces of break-in

In order to be compensated for the theft of your vehicle, you must demonstrate by physical evidence that there was an actual attempt to steal your vehicle. break..

This may include a forced lock (or lock), or traces of manipulation of wires or electrical contacts if the vehicle has been found, or possession of all keys, if the vehicle has not been found.

If the vehicle is found without these signs of burglary (intact lock, unforced locks...), the insurance company may refuse to compensate you on the grounds that the theft is not proven.

All other evidence (testimony, expertise) must be provided. In the event of a continuing disagreement between you and your insurer, only a court may decide:

  • If the dispute concerns an amount less than or equal to €10,000, it will be the court or the local court.
  • If the dispute concerns an amount greater than €10,000, it will be the court.

Stolen vehicle found

The insurance compensates you:

  • vehicle recovery costs (if justified, or with the prior agreement of the insurer),
  • the amount of the repairs, within the limit of the value of the vehicle defined in the contract, and subject to the deduction of any frankness..

However, if the vehicle is found without these signs of burglary (intact lock, unforced locks...), the insurance company may refuse to compensate you on the grounds that the theft is not proven.

Stolen vehicle not found

The loss is generally considered final 30 days after the flight.

Once this period has passed, you can claim your vehicle's refund from your insurer.

The compensation paid shall be equal to vehicle venal value, unless the contract specifies another value:

  • or replacement value to say expert, which is fixed by an expert on the basis of the price of the vehicle, its age, its state of maintenance and its mileage,
  • another value (for example, a contract-specified conventional value or a new value within 6 months of purchase).

Vehicle recovered after compensation

If you have already been compensated for the theft of your vehicle, you have the choice if it is found between:

  • retain the amount of compensation and abandon the vehicle
  • or take the vehicle and refund the compensation if it has already been paid

The theft insurance contract generally applies only to the vehicle, excluding accessories or objects carried. In order to cover this type of risk, additional guarantees may be required.

Theft of personal items

In principle, you will not be compensated for stolen items inside the vehicle.

In order to be compensated, you must have a special guarantee against the theft of objects inside the vehicle, especially if it is a caravan flight or door theft..

You will then be refunded the value of the stolen items, deducted aging, if a break-in is found, and under certain conditions (e.g. vehicle parked in a closed place at night).

Valuables will be covered if the contractual provisions so provide.

Check your contract to find out what conditions apply to you.

Theft of vehicle accessories or parts

Unless otherwise specified, the parts and accessories provided for in the manufacturer's catalog shall be compensated only if the theft was committed in a garage or a shed, after breakescalation or violence.

Thus, frequently, the theft of wheels, batteries or body parts is not reimbursed.

You must have a special warranty and, for accessories located inside the vehicle, you will only be compensated in the event of a break-in.