Logic - Reporting of a stolen vehicle

[XJ Junkie]

I got an email today from my insurance company reiterating the fact that I would need to report the theft of my car within 24 hours. It’s similar to an accident or break-in to get a case number. 24 hours is pretty standard.

I thought the email was odd until someone pointed me to link which explained what probably prompted such an email. But I didn’t read all the inevitable waffle that followed.

But it got me thinking: What level of cockbag wouldn’t report a stolen vehicle within 24 hours? How about 1 hour?

If your child got kidnapped or went missing from your house you wouldn’t wait even 1 hour to report their disappearance would you?

I just don’t understand some people’s logic.

Then apparently Toyota’s only have to be reported within 6 hours, which really doesn’t make sense, because no Toyota will get very far in 6 hours. 80 kph in the fast lane of the freeway is about the most they can manage.

[Apocalypse]

Also got one from Tuffstuff and got half a story about the story ... haven't had time to look.

Will have a look later....

[AndreasR]

Neil. Fact. It is not only Toyotas that need to report within 6 hours.

Just as an aside. ANY Toyota is faster than that Jeep of yours sitting on bricks housing chickens.

[KurtG]

The story on that forum was suspicious from the start and when I suggested the insured could potentially, hypothetically speaking, be dodgy, I got a stern talking to by the OP.

[XJ Junkie]

Neil. Fact. It is not only Toyotas that need to report within 6 hours.

Just as an aside. ANY Toyota is faster than that Jeep of yours sitting on bricks housing chickens.

Are you sure? I could take the air out of the tyres & it’ll still be faster than any Toyota 4x4.

[XJ Junkie]

The story on that forum was suspicious from the start and when I suggested the insured could potentially, hypothetically speaking, be dodgy, I got a stern talking to by the OP.

Haven’t really read it. But was it one of those where someone didn’t get his own way & used social media for leverage using the uninformed mob?

[KurtG]

Of course you read it Neil, it was gripping stuff and we all know you can’t resist stalking that forum [emoji1787]

[XJ Junkie]

Ja you caught me there. I got bored of watching paint dry & grass grow.

That forum is a shitshow & I honestly don’t visit it unless prompted to. But even then I seldom bother.

[Mad Manny]

Then apparently Toyota’s only have to be reported within 6 hours...

On another Forum, guys are saying that the 6 hour rules has been applied to cars that are not Toyota's....
You could be a Motoring Journo given your grasp of facts...

[XJ Junkie]

“It’s only Toyota’s that are subjected to a 6 hour reporting window”

Wheels24

[Apocalypse]

Well, I had a look.

Pretty much what I expected.

some guy is annoyed that the insurance won't be paying out because he doesn't seem the think the contract he signed applies to him.


It's actually pathetic that Tuffstuff even have to send out a mail to discuss it.

The first thing with any kind of insurance is that you treat the insured articles as if losing them will cost you.

In fact, in any insurance contract it's stipulated that you must take reasonable care of the insured articles.

So, if you lose your laptop or other goods from your boot because you got remote blocked - they won't pay out because you didn't take reasonable care.

You leave your expensive stuff lying on the seat in full view and the window is broken and they steal it - no reasonable care, no payout.

you leave your door open at home and come home to no TV - the insurance doesn't pay out because you didn't take reasonable care.


The only real question to ask is - if your vehicle isn't insured - how long would you leave it to call the cops if it was stolen, even knowing that the chances of a recovery are minimal?

Personally, I think it goes without saying that it's the very first thing you do , never mind 6 or 24 hours later. Why is it different because it's someone else's money?

If you can't , you can't. (e.g. as per the mail - if you are a hostage for instance) no court will enforce or can enforce a clause that is or was impossible to adhere to. No insurer is even going to try that one.

the bottom line is that 'reasoable care' of your goods is doing anything reasaonble you can to recover them if they are stolen . An immediate call to the cops to at least TRY and report the loss seems the very least you can do.

As for what kind of guy gets his heavily pregnant missus to come and fetch him with an infant child instead of calling an uber or a buddy... seriously?

Hell. what kind of guy is out on the town when his wife is due to give birth in 2 days in the first place?(without knowing there is some support around her in case of emergency - yes, I was in France when my daughter was born 3 weeks late due to contractual commitments...)

Persoanlly I'm more than happy to see insurance companies looking after their risk - it keeps my premiums down.

[Mad Manny]

“It’s only Toyota’s that are subjected to a 6 hour reporting window”

Wheels24

I went & skipped through...

Guy with a Baleno & guy with a Pathfinder mentioned they got the 6 hour clause.

[Mad Manny]

I agree with the views expressed in Post #11...

[Apocalypse]

“It’s only Toyota’s that are subjected to a 6 hour reporting window”

Wheels24

I went & skipped through...

Guy with a Baleno & guy with a Pathfinder mentioned they got the 6 hour clause.

I'd guess that it's more about considered risk.

I'd imagine that pretty much any 4x4 or D4D Toyota is considered high risk, but Id also imagine that other makes or types of vehicles might be considered high risk as well as the place of residence , type of parking, parking at work, usage profile , personal profile might all trigger such a clause.

I've just received a new schedule and haven't had time to go over it - salient changes have been noted by TS in the email. As I say, in terms of police notification, I think it goes without saying that it should be one of the very first things on your priority list in the event of theft - presuming no major injuries etc etc.

[XJ Junkie]

I agree with posts #1 & #11 & #15