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Stolen car

  • 20-11-2021 11:41pm
    #1
    Registered Users Posts: 204 ✭✭ Jayisplay
    Registered User


    my car was stolen tonight as I was getting something out of the boot, will my insurance still cover this even though my keys where in the car. It all happened so fast



Comments

  • Registered Users Posts: 73,837 ✭✭✭✭ Atlantic Dawn
    Registered User


    If keys were in the car you will likely run in to problems. Was the car a pre 2010 Hyundai Accent of goldish colour?

    In Ireland you have more consumer rights buying a pair of Nike Air Max than a €400k home.



  • Registered Users Posts: 4,635 ✭✭✭ mikeecho
    Registered User


    If the keys were with the car. Your insurance company will do and say everything to put the blame on you, and avoid a payout.


    I know of a situation where keys were fished thru a letterbox and the ins comp, blamed the owner for not taking appropriate measures to ensure the safety/security of the vehicle.


    If the keys were in the car, you'll have a fight on your hands.


    Sorry to be the bearer of bad news.



  • Registered Users Posts: 20,119 ✭✭✭✭ Larbre34
    Registered User


    Just tell them it was stolen and you don't know how and saw and heard nothing. It'll be broken down for parts anyway and be unrecoverable, so who's to know.



  • Registered Users Posts: 73,837 ✭✭✭✭ Atlantic Dawn
    Registered User


    I'd advise against this approach as if you are found out for insurance fraud it will make it pretty much impossible to ever obtain insurance again of any type.

    In Ireland you have more consumer rights buying a pair of Nike Air Max than a €400k home.



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  • Registered Users Posts: 73,837 ✭✭✭✭ Atlantic Dawn
    Registered User


    He can tell them what he wants, they on the other hand will know what immobilizers are, they will also ask him to supply all keys for the vehicle.

    In Ireland you have more consumer rights buying a pair of Nike Air Max than a €400k home.



  • Registered Users Posts: 204 ✭✭ Jayisplay
    Registered User




  • Registered Users Posts: 1,727 ✭✭✭ Nozebleed
    Registered User


    you must have accidentally dropped your keys while removing items from your boot. a young lad was walking by saw this and decided not to alert you but to take your car instead.



  • Registered Users Posts: 204 ✭✭ Jayisplay
    Registered User


    also I have told the guards my keys were in it so does the insurance find out my statement I gave to the guards



  • Registered Users Posts: 204 ✭✭ Jayisplay
    Registered User


    The bastard was on a bike and just dropped the bike and jumped in



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  • Registered Users Posts: 3,816 ✭✭✭ enricoh
    Registered User


    Listen to nosebleed!



  • Registered Users Posts: 420 ✭✭ Richmond Ultra
    Registered User


    Well they will write to the Garda to get the facts on the matter. You often give them the pulse number the Garda gave you.



  • Registered Users Posts: 491 ✭✭ Speedline
    Registered User


    If you have the vw connect app, can't you track the cars location?



  • Posts: 0 [Deleted User]


    Yep, though as I understand it, if the miscreant knows about it they can easily turn it off.



  • Registered Users Posts: 2,499 ✭✭✭ Car99
    Registered User


    Getting out to get an item from the boot I wouldn't say that's a reason to take keys out of the ignition as you didn't leave the vehicle unattended. If you left the keys in the car and went into to do some shopping that would be a different story.



  • Registered Users Posts: 1,688 ✭✭✭ ronaneire
    Registered User


    Sh1t buzz altogether. Hopefully it is parked up somewhere not too far from where it was taken. Best to share the details of it on social media within your area and hopefully some may see it.



  • Registered Users Posts: 18,052 ✭✭✭✭ Del2005
    Registered User


    Leaving a car running with no one in the drivers seat is a silly and dangerous thing to do, silly because someone can easily steal the car and dangerous in case it gets into gear.



  • Posts: 0 ✭✭✭✭ Jefferson Zealous Muddy
    Registered User


    Report it as a hijacking. You were in control of the vehicle and the thief dispossessed you of the car as you got something in the boot. You were in fear so did not confront the thief



  • Registered Users Posts: 10,720 ✭✭✭✭ fullstop
    Registered User


    Did you miss the part where he already told the guards that he left the keys in the car?!

    As someone else said, some of the advice in this thread is laughable. Just because you don’t like insurance companies, telling OP to basically commit insurance fraud and risk getting caught is not very clever.



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  • Registered Users Posts: 15,372 ✭✭✭✭ Donald Trump
    Registered User


    Well on the bright side, that's one of your Christmas presents sorted.




    Little Jimmy will be finding a new-to-him stolen bike under the tree



  • Registered Users Posts: 1,297 ✭✭✭ beachhead
    Registered User


    Keys left in ignition-you contributed to the theft.It's not just an Irish "thing".Fault of driver might not in Russia I suppose or Brazil or Malawi or China



  • Registered Users Posts: 4,070 ✭✭✭ Stallingrad
    Registered User


    For starters I wouldn't be describing the theft scenerio, the make of car and year of registration while discussing insurance fraud. This is Darwin awards level stupid.



  • Registered Users Posts: 1,320 ✭✭✭ hoodie6029
    Registered User


    You didn’t leave the car unattended with the keys in it so this is different to so many people leaving the keys in it outside their house and even leaving the car running while in the shop.

    Even if you were beside the drivers door, the thief would have taken it anyway. It’s a bit of metal, I’m not going to challenge someone intent on stealing it with God knows what weapons and not a single f*€% to give.



  • Registered Users Posts: 491 ✭✭ Sir Galahad
    Registered User


    Insurance company will look for both sets of keys. And they normally get the keys "read" on a reader if there is any queries. Don't lie to the insurer it will catch up on you.



  • Registered Users Posts: 21,350 ✭✭✭✭ Esel
    Not your ornery onager


    Not your ornery onager



  • Registered Users Posts: 18,052 ✭✭✭✭ Del2005
    Registered User


    Very few opportunist thieves jump into non running cars and drive off.



  • Registered Users Posts: 7,402 ✭✭✭ Gregor Samsa
    Registered User


    OP, as always with these types of queries the first place to check is your insurance policy.

    For instance, the FBD/An Post one says that the vehicle should:

    never be left unattended or unlocked with keys still inside the car or any window or sunroof open. 

    Is the vehicle unattended if you're taking something out of the boot? That's the only argument you may have with the insurance company. You'll get opinions on both sides from people here, but they're irrelevant. My personal opinion would be that the car is not "unattended" in that situation, but again - my opinion is as irrelevant as someone who'll argue the opposite.

    If it doesn't go your way initially with the insurance company, I assume there's legal avenues to can take to appeal and make your case that the car was still "attended".

    Fact of the matter is that the situation you report to the insurance company will have to match the evidence, including what you told the Gardaí. Otherwise you're definitely opening yourself up to trouble.

    Best of luck, OP. It's a shítty thing to happen. I hope you're ok yourself.



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  • Registered Users Posts: 1,287 ✭✭✭ passatman86
    Registered User


    Any update ?



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