When we buy car insurance, how many of us think about whether the policy we’re taking out covers the car’s contents – the items we keep in the vehicle and carry with us when we travel?
It’s probably not top of our list of concerns. We’re naturally more worried about insuring the car itself in case of accident or theft, and we want cover for ourselves and our passengers.
Thanks to the rise in portable and wearable technology, however, we’re carrying more valuable items with us than ever before, including expensive smartphones and smart watches, laptops and other in-car entertainment equipment.
In 2018, 18% of stolen items were electrical equipment – this is a 50% increase since 2008, when only 12% of theft from vehicles included electrical items.
Other items stolen include jewellery, handbags, shopping, purses and wallets, clothes and documents. Thieves are also on the look-out for tools, which accounted for 8% of theft from vehicles. Glasses or sunglasses accounted for 6% of stolen items.
Parents with young children also carry valuable equipment such as prams, buggies and car seats worth hundreds of pounds each – and all these items could potentially not be covered to their full value by your car insurance.
Despite carrying valuables in our cars on a daily basis, two fifths (39%) of car drivers don’t know if the contents of their car would be covered by their insurer.