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What is covered if your car is broken into?

What is covered if your car is broken into?

Car thieves generally fall into two categories, those who are opportunists or those who are professional criminals.

If you’ve discovered that your vehicle has been broken into, opportunity and temptation likely motivated the thief. Professional criminals usually steal vehicles to steal parts or re-sell the vehicle under a new identity. Help avoid temptation to car thieves by taking a few steps to minimise your risk of theft.

Firstly, what does your policy cover?

What is covered by your insurance depends on the level of cover you have taken out. Comprehensive motor vehicle insurance is the highest level of cover offered through AANT. If your car is broken into, it can cover you for incidents such as vandalism which a lower-scale policy may not cover.

Smashed windows, broken locks, stolen vehicle stereos or GPS, and stolen wheels or rims can also be covered under a comprehensive motor vehicle insurance policy.

Comprehensive car insurance through AANT can also cover items in your car such as baby capsules and personal items up to the value of $1,000 if they have been stolen from your locked car or damaged during the insured event.

Property such as phones, tablets, computers, wallets, tools, or personal items that are over the $1,000 claim limit can be covered by a general property insurance policy and will need to be claimed for separately.

How to help prevent car break-ins

  • Don’t leave valuables such as computers, handbags, cash or shopping bags in plain sight within your car.
  • If you have a trade or work vehicle, consider installing a lockable toolbox to help ensure the security of your tools and equipment.

  • Lock your car and close windows whenever you leave it, even if it’s for a minute. This may seem simple, but you never know who is watching your movements for a theft opportunity.

  • Ensure your vehicle has a working car alarm.

  • Park your vehicle in a well-lit area, busy location, near motion-sensor lights, or in a secure garage where possible.

If your vehicle has been broken into, make sure to call the police immediately. If bank cards have been stolen, it is recommended to lock the cards promptly.

The quickest and easiest way to make a claim is to contact CGU directly on 13 24 80.

For more information about car insurance, visit car insurance through AANT.

Important information:
This insurance product is distributed by Automobile Association of Northern Territory Inc ABN 13 431 478 529, an authorised representative of the issuer Insurance Australia Limited trading as CGU Insurance ABN 11 000 016 722, AFSL 227681. Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant the Product Disclosure Statement and Target Market Determinations from