Don’t Leave The Keys In.
By
Miserable as it may sound, the summer months will come to an end shortly and we will be rapidly approaching the onset of winter. The number of claims involving theft of cars and vans left with their keys in will soar, as vehicle users often leave their engines running trying to defrost before leaving for work. This is also the case for company cars and whilst driving for their company in a fleet vehicle.
If the vehicle gets stolen, Insurers will have difficulty in justifying payment for any theft where the user has clearly left the vehicle unattended with the keys at the disposal of the thief, and whilst a number of complaints against car insurance fleet insurance companies over claims being turned down have been upheld by the Financial Ombudsman, the issue of whether a vehicle is unattended or not, or reasonable care of the vehicle has been taken, can be a little subjective. And subjectivity is the last thing you want when you need a claim to be paid. Insurers will look at any loophole to refuse any payment.
Even if the insurer does pay, lengthy claims and unpaid bills are common in these cases, with many factors taken into account.
There is a very simple rule for drivers – Just don’t leave the keys in the ignition, and lock your vehicle whenever you leave it – even if it’s on your drive or you are nipping into the local shop. A car thief will think that their Christmas has come early and you will struggle to get your claim paid.
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