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5. Theft of the insured vehicle
The insurer likewise guarantees 100% of the damage caused to the insured vehicle when, as a consequence of the theft, it is in the possession of others, as well as any damage caused by attempted theft.
If, as a result of unlawful taking, sufficient damage is caused to the vehicle to constitute a total loss (as per the definition provided in the Preliminaries - Definitions), the indemnity will be paid according to the terms of section a) of this article.
The luggage and personal items of passengers in the insured vehicle are likewise covered in the event of an accident for up to a maximum of 500 euros per claim.
Effects of the recovery of the stolen vehicle
Replacement vehicle in the event of theft of the vehicle
Exclusions:
- Vehicle immobilisations due to mechanical malfunctions are excluded from this cover.
- Accidents occurring when participating in official or private sport competitions, training sessions, trials or wagers are excluded from this cover.
- The vehicle may not be driven beyond the limits of the country where the accident occurs
- This benefit is subject to the availability of vehicle rental companies and the conditions for rental that they apply
- At all times, petrol expenses will be for the account of the insured
THE FOLLOWING IS NOT COVERED:
a. Theft due to gross negligence on the part of the insured, policyholder or driver or their dependants or those persons who live with them.
b. Thefts where the perpetrator or accomplice is a relative of the insured or policyholder, to the third degree of consanguinity by blood or marriage, or a dependent or employee of either, provided the said party depends on or lives with them.
c. Trailers towed by the insured vehicle.
d. Theft or attempted theft of accessories, except where the accessories are expressly listed in the policy schedule.
Under no circumstances will accessories that do not form a permanent part of the insured vehicle, such as keys or remote openers, be covered.
e. Thefts or damage due to theft or attempted theft affecting guaranteed luggage and personal items transported in the vehicle in excess of 500 euros per claim.
f. Thefts or damage due to theft or attempted theft affecting professional items or tools transported in the vehicle.
g. Thefts that are not reported to the police authorities. The insured must furthermore provide the insurer with a copy of the report.
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