Almost ten percent of all robberies are nowadays related to the theft of car keys inspiring a robbery meeting among the Association of Chief Police Officers and asks drivers to make sure they have decent auto insurance coverage.
With the security systems of cars having become greatly improved in recent years, automobile thieves are looking for alternative opportunities to drive off in your vehicle.
Among the most popular is fishing for car keys, where they hook the keys through one of the owners' home windows.
With vehicle crime on the climb in part because of the rough economic climate, consumers need to take every one of the steps they could in order to protect their cars - starting with looking at their auto insurance policies.
If you have 3rd party only insurance, you wont be protected against auto theft.
Coverage against theft becomes a part of an insurance policy with 3rd party comprehensive coverage and fire and theft coverage.
However, even if you had one of these insurance policies you might not be covered if you're determined to be careless with your car keys or car.
For instance if you forget the keys in the ignition during the time when warming your vehicle up in the morning, and a thief steals the car while you are in your house, then an insurance company is improbable to provide a payout.
Additionally, if you earn discounts on premiums for possessing an auto alarm, tracking device or immobilizer but then neglect to utilize these security measures or even forget to lock your car, on the other hand a lot of insurers might accuse you of carelessness.
It is critical to take all the precautions you can to protect your car so that even if the most dreadful does happen you'll be insured.
To avert vehicle key fishing for instance, be sure you put your keys in a safe place at night.