A novel way to steal your car

[BO55 VXR]

http://news.bbc.co.uk/1/hi/england/so

So, never leave your car with the keys in it, no matter what the circumstances

[Kinky]

Just curious - if she did not get her car back, would her insurance company pay up?

K

[BO55 VXR]

Insurance, pay up, hah!!!

[bleesh]

That's it - those scrotes have RUINED it for every other person
lying in the road now - just run the feckers over!!!!!!!

Steve

[pdV6]

Unusual bollox. Happened to a chap outside my parents' house about 20 years ago.
The PC who came to deal with the victim said it was depressingly common.

[shuvitupya]

Kinky said:

Just curious - if she did not get her car back, would her insurance company pay up?

K

If you read your insurance policy it normally excludes theft of the vehicle where any person had access to the keys.

[Scraggles]

almost killed some kid who tried that, seems to be the wrong time to sneeze, I braked hard and wheels stopped a few inches before his head. he promptly got up, his white trousers were suddenly brown and he ran off

another guy was walking down an unlit dual carriageway, in black clothes, facing away from the approaching traffic, saw him for a fraction of a second but nothing hit the car and so seemed ok......

I do take my keys with me when get out of the car as a matter of habit in any case...

[Kinky]

shuvitupya said:

If you read your insurance policy it normally excludes theft of the vehicle where any person had access to the keys.

Which is exactly why I asked that question to start with.

The keys are left in the ignition ... the car is unlocked .... and easy unsecure access to the keys .... and it's been taken as a result of a scam (so to speak).

I guess, considering the specific circumstances, that most companies would pay up - but if there was one that did not, then they would be forced to after all the negative press they would go ...

Imagine - no-one stopping to tend to an injured person on the street ...... ah no - wait - it happens today

K

[shuvitupya]

Scraggles said:

I do take my keys with me when get out of the car as a matter of habit in any case...

I never leave the keys in the car, even if I have passengers that I trust 100%.

Even If i get out to clean the windscreen for 10 seconds I stop the engine and take keys with me

Insurance companies will generally not pay up if someone jumps in and drives off.

Edited by shuvitupya on Tuesday 22 August 23:54

[flemke]

shuvitupya said:

If you read your insurance policy it normally excludes theft of the vehicle where any person had access to the keys.

How do they define "access"?
If your keys are taken from you at gunpoint, is that access?
If someone breaks into your house (not merely poking a long stick through the letter slot), is that access?

In this case, the woman was, in effect, forced (by her moral conscience and sense of civic responsibility) to exit the car asap. To take extra time to remove the keys would have delayed the purpose of leaving the car and attending to the spurious victim.

Insurance companies are frequently ripped off by certain "clients".
On the other hand, the underwriters often attempt the lowest, most pathetic and sophistic ways of weaseling out of paying up when any normal person would say that they are obliged to do so.

[vonhosen]

IIRC the wording it pretty much covers, is that they won't include vehicle theft should the keys be left in or on the vehicle. Included in that is any theft by deception. This case was a deception so probably wouldn't be covered under the policy. Having the keys taken from you in a robbery isn't a decption & would be covered.

[carinatauk]

How about this one, will the insurance bods make an exception?

www.peterboroughtoday.co.uk/ViewArticle2.aspx?SectionID=845&ArticleID=1682674