Will my car insurance cover me if I leave my car doors unlocked?
Vehicle theft is a real problem. In 2018, the average number of car thefts was around 35 vehicles per day. That's quite significant, especially when you consider that many of these cars were left unlocked and wide open for thieves.
We've all done it – forgotten to lock our cars from time to time. Most of the time, nothing serious happens. But what if something does? Will your car insurance cover you?
Will your car insurance cover you if you leave your doors unlocked?
While leaving your car doors unlocked is a great way to leave yourself open to thieves, you'll generally be covered against car theft even if you do. Comprehensive car insurance covers you for damage or loss resulting from events not caused by a collision with another vehicle or object, including vandalism, fire, falling objects, and yes, theft—even if your car doors are left unlocked.
There are, however, exceptions to this. Some providers may include a clause denying claims if the theft is due to an unlocked car. This is more common with commercial policies, though. Furthermore, if there's a pattern of theft involving your vehicle or if your doors are generally left unlocked, there might be an issue with your insurance provider.
Long and short trips? Try to lock your doors at all times and every time you exit your vehicle. Theft claims due to unlocked car doors can leave a mark on your insurance history, potentially leading to higher premiums later.
Car theft is a real problem, whether your car is locked or not. Some vehicles are even more likely to be stolen than others.
The most stolen vehicles in Quebec
Did you know that you could pay more for your private car insurance if your vehicle is among those most likely to be stolen? Some vehicles are more attractive to thieves, whether because of their technology, appearance, or resale value. Often, stolen vehicles are sold for parts or used to commit other criminal activities. Here is a list of ten of the most stolen vehicles in 2020:
- 2018 Honda CR-V 4DR AWD
- 2017 Honda CR-V 4DR TI
- 2019 HONDA CR-V 4DR TI
- 2018 Ford F150 4WD
- 2018 Lexus NX300/NX300H 4DR AWD
- 2017 Toyota Highlander 4DR 4WD
- 2018 Honda Accord 4DR
- 2016 Honda Civic 4DR
- 2017 Lexus RX350/RX450H 4DR AWD
- 2018 Honda Civic 4DR
Preventing car theft in Quebec
Even if your vehicle wasn't among the most stolen in Quebec in 2020, you can still take preventative measures to reduce its vulnerability to theft and potentially prevent car theft altogether. Some security measures may even qualify you for an insurance discount.
Here are some ways to prevent car theft:
Never leave valuables or electronic devices in plain sight.
It might be more tempting for a passerby to break your window and steal a wallet or phone if it's left on your dashboard or a seat. Even small change can tempt thieves. It's possible that something as small as leaving an electronic device out could lead to a full-blown car theft, because once the thief is inside, they could very well drive off with your vehicle as well.
Always lock your doors.
Try to avoid leaving your windows or doors unlocked, even if you're parked in a secure area, such as your own driveway or garage. If your car is running, never leave it unattended, even if you're just trying to warm it up in the morning. Thieves may find this appealing because it's a relatively easy target with no driver in sight.
Try parking in public spaces.
Most thefts occur in dark areas where there is no public to witness criminal activity. To avoid this, park in well-lit public spaces. You can even choose to park closer to the entrance of a property where there will be a lot of traffic coming and going, or where you know there are working parking cameras.
Install an integrated alarm system.
If your car isn't already equipped with an alarm system, consider buying one. It may qualify you for a discount on your insurance, and it can also be a visual deterrent to thieves if you choose to put a sticker on your vehicle indicating that an alarm is installed.
There are several ways to improve your car's security while reducing your premiums. Car alarms, anti-theft devices, or even steering wheel locks may qualify you for a discount. Speak to an approved broker—like Panda7—to find out if you qualify for a discount or even ask which systems are approved.