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Comprehensive car insurance covers theft of your vehicle and typically covers theft of personal items inside the car up to a specified limit. Third party property insurance does not cover theft at all. Third party fire and theft cover includes theft as an explicit add-on.
Report the theft to police immediately and obtain an event number. Contact your insurer as soon as possible — most have 24/7 claims lines. Your insurer will typically wait 2–4 weeks to see if the vehicle is recovered before processing a total loss payout. If the car is found but damaged, the insurer will assess whether to repair or write it off based on the repair cost versus the insured value.
Most comprehensive policies include limited cover for personal belongings in the car — typically $500 to $1,000. High-value items like laptops, cameras, or jewellery are usually excluded or require specific listing. If you regularly carry valuable equipment, check whether your home and contents policy provides broader coverage for items outside the home, or ask your broker about a portable valuables extension.
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