How to make a claim if your car has been stolen

If your car has been stolen, tell your insurer and the police immediately. Your
insurer will wait a few weeks before settling your claim to allow time for the car
to be found. Check your policy to see whether it covers the cost of hiring
another car during this time. If you were paying your premium by instalments,
you may have to carry on paying, even though you have no vehicle to insure.
If your car is found after your claim has been settled, it will belong to your
insurer. If your car is not found, your insurer will offer to pay you the market
value of the car, which is the amount you could have sold it for before it was
stolen. This payment may bring your policy to an end, depending on the
policy. You will not have the rest of your premium refunded, unless this is
included in your policy. If you are not satisfied with the offer, try to get
evidence that the car is worth more, by using car price guides or prices of
similar vehicles in local papers. If your negotiations fail, you may wish to take
further action. For information on how to take further action, see How to make
a complaint in this fact sheet.