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Secure your car and prevent car theft

  • 4, Jan 2023
  • Read time: 10 mins

We often think of car insurance as accident cover. But unfortunately, car theft and vandalism does also occur. This guide provides useful tips and information on how being insured can help provide peace of mind in the event your vehicle gets stolen or broken into.

Image of bag being stolen from car

Make sure your car is locked

Forgetting to lock your car when out and about is one of the easiest ways for your car to be stolen. Unlocked cars in quiet neighbourhoods are often targeted, as well as those which have been left temporarily unattended.

Always check your vehicle is locked and all windows closed before leaving it unattended.

Don't leave your car running

It’s tempting when doing quick errands to leave your car running, but this can leave it susceptible to theft.

Car thieves use distraction techniques such as folding in wing mirrors, which you may not notice until you get in and start the engine. Don't be tempted to get out of the car to fix them whilst the car is still running. 

It’s worth doing a quick check of your vehicle before you get in to to make sure it’s ready to drive.

Keep your car keys in a secure place

Where should I keep my car keys at night?

Find a safe place at home to keep your keys in case of a break in. However, as odd as it sounds, try not to hide them too much. If someone is really determined to steal your car, you don’t want to put yourself in danger. It’s best to let them have the keys.

Where should I keep my car keys at work?

Keep your car keys in a locked drawer at your place of work, especially if you spend large amounts of time away from your desk or working area.

Avoid keyless car theft

Car thieves often know how to intercept fob signals. There are a few things you can do to help prevent it:

  • Turn off the fob’s signal when it’s not being used
  • Buy a signal-locking pouch to store your fob
  • Don’t keep spare fobs in your car
  • Keep your fob as far away from your car as possible when at home, but avoid keeping fob(s) in the bedroom at night as this could put your safety at risk

Improve your car security

  • Buying a good quality steering lock is a budget-friendly way to improve car security. Not only does this act as a visual deterrent, if someone manages to break into your car, they will struggle to remove it
  • Car covers also act as a great deterrent. They’re easy to use, budget-friendly and make it more difficult for someone to steal your car. It also stops the interior from being on display so thieves are less tempted to break in
  • If you have a fob key, purchasing a signal blocking pouch is a low-cost way to help improve car security. The pouch stops any signals from being transmitted to and from the fob key
  • Have your registration plate number etched into each window. A unique code is scratched into each window which links through to a secure database managed by the police. Your local garage should be able to provide this relatively inexpensive service
  • Buy a car tracking device. It’s unlikely a thief will know it’s there and you’ll be able to track your car’s whereabouts if it gets stolen. Never go after a car thief on your own. Inform the police immediately and they will be able to help you recover your vehicle

Hide or remove all belongings

Anything perceived as valuable can put your car at risk of theft, even if the car itself isn’t stolen.

“Smash and grab” style crimes are also considered as car theft. Store any valuables such as sat navs, important documents, sports gear and sunglasses etc in the glove compartment, or remove them from the vehicle.

Remove all valuables when your car is unattended for longer periods. For example, if you leave your car in a carpark when going on holiday.

Park safely 

Where possible, park in well-lit, busier places. There’s likely to be CCTV and other vehicles around, which will help deter someone from stealing your car. If you live on a quiet, poorly lit street, consider investing in CCTV of your own which has a view of your property. Not only will the presence of CCTV be a deterrent, but the footage could also help identify a thief. 

Does turning my wheels prevent theft? 

Whilst it doesn’t guarantee your car won’t be stolen, turning your wheels into the kerb at a 45° angle makes it more difficult for someone to drive your car away.

Be safe in slow or stationary traffic

Lock your windows when in slow or stationary traffic. It’s an easy habit to get into and will provide an extra level of security should someone attempt to car jack your vehicle.

Does car insurance cover car theft? 

The level of cover you have will depend on what type of policy you choose. Our guide to types of our car insurance can help if you’re unsure. 

Will my insurance cover car theft if I’ve left keys in the car? 

Typically, car insurance policies will not cover a stolen vehicle if the owner has left the keys in the car. 

It’s good to be aware before you purchase insurance of any clauses that could lead to claims being declined. These could include: 

  • Loss or damage as a result of a window or sunroof being left open 
  • Loss or theft as a result of the car having been left running 
  • Loss or damage if the manufacturer’s security device on the car is not fully operational when the car is damaged or stolen 

What happens to car insurance when a car is stolen? 

You must tell your insurer immediately if your car has been stolen, providing as much accurate information as possible. 

Typically, the cost of your car insurance will increase the following year for a variety of reasons, regardless of if a claim was made or not. Some examples of what could lead to a price increase include: 

  • The condition of the vehicle upon recovery 
  • If the vehicle is recovered at all 

Protect your car against theft with car cover

It’s a legal requirement to have car insurance, but not all insurers offer protection against theft and vandalism. 

Here at MORE THAN we offer fully comprehensive car insurance which covers:

  • Theft and vandalism
  • Accidents
  • Damage by animals
  • Fire
  • Flooding
  • Natural disasters

There are also additional benefits you can choose to add with our MORE THAN EXTRA cover – from breakdown cover to legal assistance.

Get a car insurance quote today