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Old 11.01.2011, 15:59
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Insurance rates higher if last car was stolen?

I experienced the misfortune of having my car stolen while visiting the Balkans. I did not have theft insurance and have therefore made no claim, but I am now in the market for a replacement and will need to see about transfering the balance of the year's coverage (about 8 months) to my next car. I wonder if my rates will go up if I inform the insurance company of the fate of my last car (as I would need to do to transfer the balance of the year's coverage).

If my rates are likely to go up, I may just not tell the company that the car was stolen and simply let the policy expire. As the theft was outside CH and the EU, they are unlikely to learn of the theft unless I tell them (the police in the other country being stuck in the 1800s, their file system consists of a room full of large books).

Of course, if I am legally obligated to inform the company of the theft regardless, then I will certainly do so.

Thanks in advance to members who can offer some insights.
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Old 11.01.2011, 16:26
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Re: Insurance rates higher if last car was stolen?

I'm sure they'll ask if you have any claims in the last x years. You have not claimed so therefore their risk cannot be increased (in theory).

Besides, car insurance here is very modular and a claim for theft can only increase the premium for the theft module of the insurance.
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Old 11.01.2011, 18:33
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Re: Insurance rates higher if last car was stolen?

If you don't make a claim they don't care.


You should probably make sure you are insured to go to where ever it is you got your car stolen for next time. Some policies don't cover theft outside CH, EU and/or you may have to pay more if you want to travel there.

Last edited by miniMia; 11.01.2011 at 21:17. Reason: broke up two different topics
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Old 11.01.2011, 21:00
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Re: Insurance rates higher if last car was stolen?

#1 u do not specify the country where the car has been stolen, and I would suppose that is Kosovo, because this is the only unrecognized identity that does not have electronic police record data-bases. even Kosovo might have due to the international presence. other balkan countries, do have scanning and electronic systems everywhere even more advanced than elsewhere I used to travel ....this was a precondition if I am not wrong for a no-visa travelling.
#2 balkans include greece which is a EU country
#3 I had experience when I had guests from balkans in Italy in the center of Milan nearby Technology Museum on Friday and their windshields of new jeep were completely smashed and broken...where they needed 3 hours for police to come, finally deciding to drive the vehicle to one police station, and later to the next one because there was no hope any policeman to show up in this EU country...unlike in balkans with regard to the car related situation, the policeman showed up within a hour. thus, how do they comment their experience when they go back?

bottom line: thus, please do not mislead the people by making observations that are full of falacy....either be specific in this and this place, this and this happened, and base your assumptions on facts.
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Old 12.01.2011, 00:59
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Re: Insurance rates higher if last car was stolen?

It was stolen in Belgrade, while parked on the street. Don't try to tell us that police systems in Serbia are as sophisticated as in the west unless you have firsthand experience to relate. What someone told you while complaining about the Italian police is just heresay. I have spent several hours in police stations in Belgrade (dealing with visitor registration, car registration, the stolen car and some other paperwork), and I can tell you that their "systems," so to speak, are antiquated, disorganized and highly corrupt. Unless you have experienced it firsthand, it is hard to believe. And fwiw, language has not been an issue in my experiences since I've always been accompanied by a native speaker.

For example, when registering as a foreigner in Serbia, it is of no importance to the police where you are actually residing for your stay -- what matters is bringing a copy of the national ID of the apartment owner. If your landlord is out of town and this cannot be furnished, not to worry, any apartment owner will do -- friend, relative, whomever. They are perfectly happy to enter an admittedly false address into their book, and no, there is not one computer in the room.

I have also witnessed police corruption firsthand, but to admit the details would be imprudent. Suffice it to say that a couple hundred euros placed in the right hands (that part is key) can induce a burst of efficiency to rival the Swiss.

As stated in my original post, my copy of the stolen vehicle report was furnished from a big book in a room full of big books. It had been typed into a form using a computer, and the form had been printed and filed away manually. The information may be in a digital database somewhere, but when I needed to retreive my copy no computer was employed and the only form of indexing was the date (it could not be looked up by name, make, etc). Nobody in the station knew where to point us for this either -- we were misdirected twice before locating the proper room. I highly doubt that stolen vehicle reports are shared across Serbia's borders, or even that they are shared with any efficiency within the state's borders or even the precinct building.

And for the record, I had (stupidly, yes) opted out of theft insurance and been too lazy on this instance to electronically cripple the car.
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