Car stolen - insurance renewal coming up - change insurers?

[mrpbailey]

Not sure if this is the best forum for this but here goes:

My mums car got stolen off her drive Sunday night/Monday morning -not yet found. They broke into her house (standard door euro cylinder snapped off) to get keys. Bit strange as not a desirable car, 2008 Mazda 2, parked on her drive behind small gates. Plenty of more desirable cars parked on the road.
But anyway, a quick Google suggests insurance likely to not pay out before 30 days, but her renewal is due in about 3 weeks. She had planned on shopping around/changing insurers as renewal is quite a bit more than last year (even before this claim), Where does she stand on changing insurers with a possible ongoing claim?

[kiethton]

If she doesn't have the car she doesn't need to renew...

[mrpbailey]

kiethton said:

If she doesn't have the car she doesn't need to renew...

lol very true, what I meant to say was where does she stand with a need to renew, if the car is still not found before renewal is due? Presumably as the claim was made on the previous year, if it is not renewed it will make no difference?

And if it is found, she is free to change insurers, and there will be no ‘claim’ to declare?

Edited by mrpbailey on Tuesday 20th February 20:54

[kiethton]

If the car isn't found you don't need to renew - this happened within the term of insurance.

If found/you get a new car and a new policy you'll need to declare a theft claim (if you claimed) or a theft if they ask

[Freddie Fitch]

If the car is found she's not going to want it back.
This is not a Range Rover stolen for export - it's stolen to be used and abused.

[mrpbailey]

Freddie Fitch said:

If the car is found she's not going to want it back.
This is not a Range Rover stolen for export - it's stolen to be used and abused.

Correct, she’d rather it not be found now. however if it is found I don’t think there is much of an option of refusing to have it back unless it’s trashed/damaged etc?!

[Hugo Stiglitz]

How much will you get really for a 15yr old Mazda? 1200 max?

[mrpbailey]

Hugo Stiglitz said:

How much will you get really for a 15yr old Mazda? 1200 max?

I’m guessing around £2k, why?

[Mr Tidy]

The policy should specify how long it needs to be missing before the insurer will pay out, so try to get hold of it.

No need to renew or change insurer until it is recovered, assuming it isn't a write-off, or she buys a replacement.