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Home Car Insurance Theft Car theft without a key

Is car theft without a key covered?

Being able to open, close and start your car without needing a car key. Earlier, it was seen as a luxury option when buying a car. Nowadays, it is increasingly seen as a theft risk. When you own a car with keyless entry, good car insurance is essential. What about the insurance when your keyless car is stolen and you still have the original keys? 

Car thieves no longer need a key

A car with keyless entry is a car where it is possible to start the car without a key. Not only can you start the car, you can also open and close it. When you come close to the car with the key, the car will unlock automatically or you can unlock the doors by touching the handle.

Car theft without keys

Car thieves can use a special receiver to pick up the signal from the key. This can even be done from outside a house. The car can be unlocked because the signal of the key is nearby. In some cases, it is even possible to start the car this way, while the keys are inside the house. This way, car thieves no longer need a key to get away with your car.

To prevent theft of your car with keyless entry, you can do several things:

  • Do not store the car key(s) within 6 metres of the outside wall. The signal from the key reaches up to 6 metres. The signal can be picked up by car thieves within these 6 metres.
  • When not in use, keep the key(s) in a steel/metal box or wrap them in aluminium foil.
  • It is often possible to disable the keyless entry system in the settings of your car or to have it blocked at your garage.

In addition, always check carefully that your car is locked and make sure it is properly secured.
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Theft of your car without a key

Have you become a victim of theft of your car without a key? Then it is important that you always report it to the police. Without a report the insurance company will not process your claim.

In the event of the theft of your car, third-party motor insurance will not cover you, regardless of whether you have the original keys or not.

If you have WA limited collisionor all-risk coverage, you can claim the theft on your car insurance policy. Normally, you must be able to produce 2 car keys in case of car theft. This is not a problem in this case, since your car was stolen without using the car keys.
However, insurers handle a car theft without keys differently. Want to know if your car insurance policy provides coverage? Check your policy terms and conditions to find out.

Do you have a question about your car insurance cover? Then contact us. We are happy to help you! You can reach us from Monday to Friday between 08:00 and 18:00 on telephone number 088-6883700.

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  • To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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