What are the reasons why the insurance does not compensate you in case of car theft? You must pay attention to what is indicated in the clauses.
You are insured against auto theft but have not received any compensation. It may depend on the clauses of your policy but also on the behavior you have adopted.
When does insurance pay for auto theft?
It may happen that despite having the theft and fire policy for your car, you will not be able to obtain the related compensation if the insured event occurs.
This happens because the IVF policies contain clauses that protect the company in case of behavior by the insured that puts the vehicle at risk.
One of the striking cases that surely makes the insured lose the right to compensation in the event of theft, occurs when you leave the keys in the car attached to the dashboard. The companies compensate for the theft only if all the keys of the stolen vehicle are returned.
If the insurance company indeed proves the negligence of the insured, it can refuse to pay the compensation.
The Court of Vicenza states that the contractual conditions exclude:
the operation of the insurance coverage in the event of gross negligence of the insured or of the persons who, on behalf of the same, have it available for various reasons.
The case discussed by the Court of Vicenza concerned a man who had left his car keys in a hotel room left open. This way the thief easily sneaked into the room, stealing the keys and then the car. The owner of the car was therefore also denied compensation by the judge.
What should you do if your car is stolen?
If your car is unfortunately stolen, you need to take steps:
- report the theft to the Police or Carabinieri, also indicating including the theft of the booklet and the CDP if they were in the car;
- bring the complaint issued by the police to the Pra, to start the practice of \”loss of possession\”; in this way, you will not pay car tax and any fines detected from the time of the theft onwards;
- go with the insurance report, within three working days, to initiate the claim.
The insurance company must deliver:
- copy of the report, as mentioned;
- both copies of the car keys are in your possession.
As mentioned, the keys are used to immediately verify that the theft is not due to bad custody of the keys.
Car insurance reimbursement: when is it possible?
What are the cases in which you are entitled to reimbursement of car insurance already paid? Let’s see how the counting of the amount works.
Car liability is a compulsory insurance for all vehicles on the road. But what happens in the event of theft or scrapping before the policy expires? Here is a guide to IVF car insurance reimbursement in cases where it is required by law.
Car insurance reimbursement: what does the Civil Code say?
The policies RC cars, mandatory for all vehicles, typically have an annual or semi-annual period (sometimes monthly ).
But what if you no longer need insurance coverage before it expires? Is it possible to obtain reimbursement in whole or in part of the insurance premium paid in advance?
The contract is dissolved if the risk ceases to exist after the conclusion of the contract, but the insurer is entitled to payment of the premiums until the termination of the risk is communicated to him or otherwise becomes aware of it. Premiums relating to the insurance period in progress at the time of communication or knowledge are due in full.
Therefore, the cases for which a refund can be requested and obtained are:
- vehicle sale;
- theft;
- demolition;
- export of the car abroad.
In all these cases it is necessary to immediately notify the insurance company, to start the reimbursement procedure from the date on which the event occurs.
To initiate the request you must forward it to the company in the manner provided. There are several alternatives:
- in person at the reference offices;
- by registered letter with return receipt;
- via Certified Electronic Mail (PEC);
- directly online on the company’s website, if the appropriate form is provided.
You must attach the necessary documentation to the request, for example, the report to the police in case of theft.
Car insurance reimbursement in the event of the death of the insured
There is a particular case and it concerns the death of the insured. The heirs are entitled to a refund even if they decide not to sell or scrap the vehicle. This is because the insured is the deceased person who will no longer be able to take advantage of the coverage.
Car insurance reimbursement: how the amount is determined
The calculation of the redemption amount is quite simple.
You need three data:
- the amount paid for the policy;
- number of days of validity of the policy (usually 365 or 180, depending on whether it is annual or semi-annual);
- the number of days the coverage has been in use.
You must divide the amount by the days of validity and then multiply the daily quota thus obtained, by the residual number of days for which coverage is no longer necessary.
The amount thus obtained will be refunded to you, obviously net of:
- any penalties provided for in the contract in the event of a refund request;
- reimbursement management fees.
