Hiring a car gives you freedom, but unfortunately things can go wrong – and if they do, this can be stressful. Discovering your rental car has been stolen, or that it’s been broken into, is upsetting, particularly when you’re abroad and dealing with a different language.
This guide explains exactly what to do if your rental car is stolen or broken into, who to contact, what paperwork you’ll need and how car rental excess insurance can you help you avoid a large bill.
Ready to get covered? Get a Cover4Rentals quote today.
If Your Rental Car is Stolen
Although it’s unlikely and vehicle left is less common than damage, it can happen. Here’s what to do if it does:
1. Check your safety and confirm the car is stolen
Make sure the car hasn’t been towed or moved for parking reasons. If you’re unsure, contact local authorities to check before reporting it as stolen.
2. Report the theft to the police
You’ll need to file a police report as soon as possible. This should be done in the country where the theft occurred. Ask for a copy of the report or a crime reference number. You’ll need this if you want to submit a claim with us.
3. Contact the rental company
Call the rental company’s emergency or roadside assistance number straight away. This should be listed in your rental agreement. They will then explain to you the next steps and will arrange alternative transport if this is appropriate.
4. Gather evidence and documents
Make sure you keep copies of;
These documents are essential for making a claim with us later.
If Your Rental Car is Broken Into
Break-ins are more common than full vehicle theft and often involve smashed windows or forced entry.
1. Do not move the car immediately
If possible, leave the vehicle as it is until you’ve documented the damage. Take clear photos of:
2. Report the incident to the police
Even if only personal belongings were stolen, obtaining a police report is still important. Some countries require you to do this in person; others allow online reports.
3. Inform the rental company
Contact the rental company and let them know what’s happened. They may arrange repairs, a replacement vehicle or ask you to return the car to a specific location.
4. Check what you’re liable for
Damage from a break-in, such as smashed glass or door locks, is normally charged to the renter up to the excess stated in the rental agreement. This is where excess car rental insurance comes into play, depending on the individual terms of your policy.
Reducing the Risk
Of course, not everything is preventable but a few straightforward and simple steps can help lower the risk of your rental car being stolen or broken into. This includes:
FAQs
Yes. Usually the rental company will charge you up to the excess amount listed on your agreement. If you claim meets the policy conditions, we’ll reimburse this up to a maximum of 12,000.
In most cases, yes. Both rental companies and insurers typically require a police report or crime reference number.
Cover4Rentals includes personal belongings coverage up to a maximum of 1,000 depending on your policy.
Make sure you report it to the police and rental company as soon as you discover it.
Having a clear plan makes a stressful situation much easier to handle. Knowing who to contact, what evidence to collect and how excess charges work can save time, money and frustration.
If you’re renting a car and want protection against high excess charges for theft or damage, consider taking out car rental excess insurance before you travel.
Comments are closed