Getting New Car Insurance after Last Car Was Stolen and Written off

aussie1 on 20/02/2025 - 13:18
Last edited 20/02/2025 - 13:46 by 1 other user

Hi, I had my house broken into and car stolen two months ago.

The burglars went through the drawers and found the keys as I was sleeping inside upstairs. My car was stolen by a 14 year old teen in Melbourne as many have heard similar stories in the news recently.

I received an insurance payout as the car was a write off. I am now struggling to get new insurance on the new car I've purchased. Some insurances will not insure me after I list my recent theft experience and others premium is extremely high.

Is car theft an at fault claim? Can I insure the new car in my partners name and then and then pay the non driver $600 excess if something happens? Is there a restriciton on sharing insurances between partners who live at the same adress?

Can anyone help out?

Thanks

Automotive Car Insurance Insurance

Comments

  • 87percent on 20/02/2025 - 13:36

    Some insurance don’t even need to list drivers

    • AustriaBargain on 20/02/2025 - 15:39

      Anyone I borrow a car from a mate they tell me it's the car that has the insurance and anyone who drives it legally is covered automatically.

      • happydude on 20/02/2025 - 19:30

        Not always. Some have age exclusions, others require anyone in the household driving to be listed or they aren't covered. etc

  • FoxJump on 20/02/2025 - 13:44
    +1

    as a curiousity, where were the keys? So i dont store them in a similar location.

    • Nutrino on 20/02/2025 - 13:51
      +1

      Dont worry about the key, how did they get in?.

      • FoxJump on 20/02/2025 - 14:06
        +3

        probably the cat door

        • AustriaBargain on 20/02/2025 - 15:39
          +10

          This is why I refuse to add a cat door to my car.

      • coffeeinmyveins on 21/02/2025 - 07:58

        Locks keep honest people honest. It's not difficult to pick a lock or kick a door in if it's a wooden door jamb.

        Alternatively, your house has windows right?

        If someone wants to get into your house, they will. All you can do is make it harder by having lights, cameras, alarms, deadbolts etc.

    • Cluster on 20/02/2025 - 14:25
      +7

      I put my car keys in random locations around the house, and sometimes have to search for five minutes or more to find them. If I have trouble finding them, then surely a thief will too.

    • nige0090 on 20/02/2025 - 15:30
      +1

      Some would prefer that they find the keys quickly and not come snooping around the house to threaten people for them.

      • GordonD on 20/02/2025 - 16:22
        +2

        That was what happened just the other day. Burglars broke into the house and searched for the car keys for an hour. When they couldn't find them they went into the bedroom and woke up the owner and threatened them with knives until they said where the keys were.

    • stuffandthat on 20/02/2025 - 16:18
      +5

      In a can of tomatoes from Aldi.

  • Bargainitis on 20/02/2025 - 14:58

    insure under wife's name or parents.

  • JIMB0 on 20/02/2025 - 17:21
    +1

    My car was stolen by a 14 year old teen

    This is what happens when you pay people to breed. You can thank John Howard's baby bonus.

    • Bruceflix on 20/02/2025 - 19:49

      What a well thought out statement. You come across as a real thinker.

    • Jugganautx on 21/02/2025 - 15:08
      +1

      They never said where they were from /s

      • JIMB0 on 21/02/2025 - 18:04

        Haha. True, however most of them are locals.

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