freedomdwarf1
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Joined: 10/23/2012
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quote:
ORIGINAL: OsideGirl
quote:
ORIGINAL: freedomdwarf1
What would happen if they opened your car, found nothing of value worth stealing, and decided to rip your seats to pieces just out of sheer spite??
That could happen regardless of owning convertibles.
Very true.
But the point I was making was that by NOT locking your car, regardless of whether it had any valuables in it or not (the thief doesn't know that), is that you would not be able to claim off your insurance in that event.
If your car was locked and the thieves/vandals did some damage - that's claimable.
But not if your car was left UNlocked!
An unlocked car means no claim.
Therefore, you have to pay to replace whatever damage they did - including the roof.
All I can say is, you've been extremely lucky that someone hasn't damaged or stolen your convertibles after leaving them unlocked.
And the logic of not locking your car to prevent damage to the roof is laughable.
Wait until someone does damage it and you have to stump up whatever ($800??) to replace it when you could have gotten it replaced for free (or your excess value, $50??) instead.
It just doesn't make any sense whatsoever to leave your car unlocked at any time.
Heck, my car even locks itself as soon as you start driving!
That's an attempt at stopping car-jacking.
So you can't even drive my car without it being locked!
It locks itself after 30 seconds of closing all the doors.
There is no way to leave my car unlocked at all - it's not possible.
ETA: Something I thought of while I was having my bath so I thought I'd also add it in here.
Lets take a stupidly unrelated incident linked to unlocked cars....
And believe me, I have seen these things happen when I worked for a subsiduary of Sun Alliance insurance (and they are world-wide, not just UK or Europe).
If your car was completely wrecked by a runaway semi/coach or a light aircraft had to crash-land and plowed into your car writing it off or causing a significantly severe amount of damage.
Most of the claim forms will have, apart from a description of the incident, something along the lines of -
"Was the vehicle being driven or otherwise occupied at the time of the incident": Yes or No.
"If yes, please provide details of the other person(s) injured".
"If no, was the vehicle secured and left in a secure and authorised place?".
Here's how your claim would proceed.....
You: I'd like to claim for my car being severely damaged by... (insert incident here).
Them: Sure. Please complete this claim form and return it to us within xx days for consideration.
Sometime later.....
Them: We see that your vehicle was not secured at the time of the incident.
You: I haven't been robbed/vandalised in 20 years and I wanted to avoid the roof being damaged.
Them: We are sorry but we cannot admit your claim.
You: Why not?
Them: Your vehicle was not secured at the time of the incident.
You: What the blazes has that got to do with THIS incident?? I wasn't being robbed - it was.....
Them: We are very sorry. The moment you left your vehicle unsecured, you voided your policy. Therefore, you have no valid claim. We have reported your vehicle as having no insurance to the relevant authorities.
And you would lose - and be out of pocket by a LOT!
Now try and tell me it was a sensible idea NOT to lock your vehicle.
< Message edited by freedomdwarf1 -- 3/18/2013 2:25:49 PM >
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RE: Ok, finding your car wide open when you didn't leav... - 
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