What Happens When Your Car Is Stolen
Updated Sep 19, 2026 · Hannah Breckett · 6 min read
Report to police, notify your insurer, and understand how settlement works.
What this article covers
Discovering your car has been stolen is stressful. Acting quickly improves chances of recovery.
Insurance usually requires certain steps.
Immediate steps
- Report to police and get a crime reference number
- Notify your insurer
- Contact any finance company
- Check tracker services if fitted
Waiting period
Insurers often wait a period before settling, in case the car is recovered.
Settlement
Payouts are usually based on market value, not purchase price. Gap insurance can cover the difference. See our gap insurance guide.
Reduce risk
Use steering locks, keep keys away from doors, and consider signal-blocking pouches for keyless entry.
Documents you will need
Insurers usually ask for all keys, the vehicle registration document, finance details, service history, and the police crime reference number. Missing keys can complicate claims, so keep track of spares. If personal items were in the car, check whether they are covered by your car insurance or home insurance — limits for personal belongings on car policies are often low.
This is general insurance information, not legal, financial, or insurance advice. Coverage depends on your specific policy, insurer, and jurisdiction. Read your policy documents and speak with a licensed insurance agent or broker before making decisions.