Car insurance UK: Drivers risk losing ‘no claims’ by storing Christmas presents in the car
USwitch experts have warned that Christmas gifts could make their vehicles a “higher target for thieves” as criminals attempt to steal hundreds of pounds of free items. Drivers can often claim loss of personal possession, but this could impact your overall auto insurance coverage.
âIt’s also worth noting that while you are covered, making a claim for stolen gifts can also result in the loss of your unclaimed insurance, which will increase your premiums.
âExpensive Christmas gifts stored in a car make your vehicle a bigger target for thieves.
âSo, to avoid being a victim of the crime, it’s safer to take them out when you get out of the car. “
A Consumer Intelligence poll found that 46% admit to leaving new purchases or gifts in their car.
On average, drivers spend an average of Â£ 700 on Christmas presents, food and drink.
However, the analysis by whom? The little money insurers find will cover drivers for anywhere near that amount.
On average, insurers will likely only cover personal property valued between Â£ 100 and Â£ 300.
The British Insurers Brokers Association has stated that most auto policies will have limits “on the value of property.
They said it would cost around Â£ 150 and confirmed that no claims deal would likely be affected.
USwitch added, âIf you don’t have a choice, make sure valuables and purchases are locked in the safe, making sure no one is watching you.
“The same can be said for expensive food and alcohol which could also make your car more attractive to criminals.”