Car insurance providers 'may refuse' to pay for stolen Christmas presents this December

3 mins read

Car insurance firms are likely to offer some cover for gifts which are taken form your car in the run-up to Christmas Day but expensive items may be exempt due to price cap rules. Experts at USwitch warn this allowance can range from £100 to £1,000 and is dependent on your provider and the type of agreement you have signed up to.

However, the ABI warns the extra cover finishes in January so drivers cannot fall back on the same excuse for the January sales.

The agency has urged drivers to check expensive items like laptops are never left unattended in vehicles as these can be attractive to thieves.

They add Christmas is looked upon favourably by burglars with the average haul for thieves coming to £2,250.

Research from Allianz also found 71 percent would hide gifts in cars with a quarter saying they happily keep gifts more than £100 in a vehicle.

USwitch confirms this, adding drivers monthly premiums will rise which could be devastating for cash-strapped road users.

A spokesperson added: “It’s also worth noting, even if you are covered, making a claim for stolen presents may also result in the loss of your no claims insurance, which will increase your premiums.

“Expensive Christmas presents stored in a car make your vehicle a higher target for thieves, so to avoid falling victim to the crime, it’s safer to remove them when you leave the car.

“If you have no choice, make sure valuables and shopping are locked in the boot, taking care that nobody is watching you.

“The same can also be said for expensive food and alcohol which could also make your car more attractive to criminals.”

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