Unfortunately bad things happen and it's never an easy process to try and recover your car.
First thing is first - Make sure you're safe and report the theft to the policy. You should work with them to recover it.
If we accept your claim for theft of Your Car, we’ll handle it in the following way:
- If Your Car is recovered within 14 days of it being stolen and is damaged, we will assess whether the car is repairable or not. Depending on our decision whether Your Car is repairable, we follow the process outlined in “When Your Car is repairable” or “When Your Car is a Total Loss”.
- If Your Car is not recovered within 14 days of it being stolen, Your Car becomes a Total Loss and we’ll follow the process set out in the “When Your Car is a Total Loss” section above.