Martin Lewis warns viewers about drastic car insurance changes
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Experts at USwitch warned Christmas presents could make their vehicles “higher target for thieves” as criminals try and steal hundreds of pounds worth of free items. Drivers can often claim for personal possession loss but this could impact your overall car insurance cover.
They warn making a claim for lost goods is likely to “increase your premiums” in a double blow for drivers in the run-up to the New Year.
USwitch first made the warning last Christmas but drivers are just as much a target this year.
They said: “Whilst we don’t like to think anyone would steal Christmas presents from our car, unfortunately, it does happen.
“So it’s important to take extra precaution in the run-up to Christmas.
“If items are stolen from an unlocked vehicle, car insurance providers may refuse to cover the cost of the goods.
“It’s also worth checking your policy, as expensive items may not be covered due to personal possession limits.
“Comprehensive car insurance policies will typically include some level of personal possessions cover but it doesn’t usually come as standard on other policies, such as third party only and third party, fire, and theft.
“The amount you can claim for personal possessions on your car insurance can vary depending on your provider and your policy agreement, however many range from £100-£1,000.
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“It’s also worth noting, even if you are covered, making a claim for stolen presents may also result in the loss of your no claims insurance, which will increase your premiums.
“Expensive Christmas presents stored in a car make your vehicle a higher target for thieves.
“So to avoid falling victim to the crime, it’s safer to remove them when you leave the car.”
A poll by Consumer Intelligence found 46 percent admit to leaving new purchases or presents in their cars.
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