{"id":35110,"date":"2022-10-21T09:35:39","date_gmt":"2022-10-21T01:35:39","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=35110"},"modified":"2025-11-05T18:17:03","modified_gmt":"2025-11-05T10:17:03","slug":"does-third-party-policy-cover-car-theft","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/does-third-party-policy-cover-car-theft","title":{"rendered":"Does Third Party Policy Cover Car Theft?"},"content":{"rendered":"\n<p>Car theft is an expensive headache &#8211; worrying as it is frequently reported. In Malaysia, data announced by the Malaysian Vehicle Theft Reduction Board (VTREC), an average of 20 vehicles were stolen in a day in 2020.<\/p>\n\n\n\n<p>You may think that a <a href=\"https:\/\/bjak.my\/blog\/car-insurance-claim-denials-5-reasons-why-it-could-happen\/\">car insurance<\/a> claim can be made to cover the losses (car theft) suffered. It depends on the policy type, some cover car theft. In this article, we would like to focus on a third-party policy.<\/p>\n\n\n\n<p>Read on as we will further discuss what can a third-party policyholder do in such a situation.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d8e507ebb1b\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d8e507ebb1b\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/does-third-party-policy-cover-car-theft\/#Car_theft_can_you_claim_insurance\" title=\"Car theft, can you claim insurance?\">Car theft, can you claim insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/does-third-party-policy-cover-car-theft\/#What_if_you_only_have_third-party_insurance\" title=\"What if you only have third-party insurance? \">What if you only have third-party insurance? <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/does-third-party-policy-cover-car-theft\/#What_should_you_do_if_your_car_is_missing_or_stolen\" title=\"What should you do if your car is missing or stolen?\">What should you do if your car is missing or stolen?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/does-third-party-policy-cover-car-theft\/#Report_to_the_police\" title=\"Report to the police\">Report to the police<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/does-third-party-policy-cover-car-theft\/#Check_your_car_insurance_coverage\" title=\"Check your car insurance coverage\">Check your car insurance coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/does-third-party-policy-cover-car-theft\/#Contact_insurance_company\" title=\"Contact insurance company\">Contact insurance company<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/does-third-party-policy-cover-car-theft\/#Inform_your_insurance_company\" title=\"Inform your insurance company\">Inform your insurance company<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/does-third-party-policy-cover-car-theft\/#Wait_for_the_outcome_of_the_investigation\" title=\"Wait for the outcome of the investigation\">Wait for the outcome of the investigation<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/does-third-party-policy-cover-car-theft\/#Get_the_best_insurance_coverage\" title=\"Get the best insurance coverage\">Get the best insurance coverage<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Car_theft_can_you_claim_insurance\"><\/span>Car theft, can you claim insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"6489\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-kena-curi-ini-cara-anda-claim-insurans-kecurian\/attachment\/211008_bjakblog_nurul_a10-01-03\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A10-01-03.png?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Pemilik insurans boleh membuat tuntutan kecurian sekiranya kenderaan dicuri\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A10-01-03.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A10-01-03.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A10-01-03-1024x1024.png?resize=854%2C854&amp;ssl=1\" alt=\"Pemilik insurans 3rd party tidak boleh membuat tuntutan sekiranya kenderaan dicuri\" class=\"wp-image-6489\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A10-01-03.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A10-01-03.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A10-01-03.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A10-01-03.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A10-01-03.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Generally, all car owners are eligible to claim insurance for car theft. However, it <strong>depends on the type of policy that you possess<\/strong>.<\/p>\n\n\n\n<p>Owners can claim insurance for car theft if they have a comprehensive policy or a third-party, fire, and theft policy.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_if_you_only_have_third-party_insurance\"><\/span>What if you only have third-party insurance? <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>We have explained the three policy types available in the market. These are i) comprehensive policy, ii) third-party, fire and theft policy, iii) third-party policy.<\/p>\n\n\n\n<p>The third-party policy is the most basic one and the cheapest among all of them. It <strong>only offers protection for the third party in the event of an accident due to your negligence<\/strong>.<\/p>\n\n\n\n<p>The <strong>policyholder will not be covered or compensated in case of car theft<\/strong>. This is because the policy coverage is not extended to them.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_should_you_do_if_your_car_is_missing_or_stolen\"><\/span>What should you do if your car is missing or stolen?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Report_to_the_police\"><\/span>Report to the police<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Do not put off the police report. Lodge the police report the second you notice your car is stolen. Reporting early will ease the police to investigate and start the search for your stolen car.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Check_your_car_insurance_coverage\"><\/span>Check your car insurance coverage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Following a police report, do check your insurance coverage. <\/p>\n\n\n\n<p>Ensure your policy is valid and covers car theft. Comprehensive policy and the third-party, fire, and theft policy enable you to claim insurance.<\/p>\n\n\n\n<p>Please note that you will not be able to claim insurance if:<\/p>\n\n\n\n<ul><li>Your insurance is no longer active<\/li><li>You have a  <a href=\"https:\/\/bjak.my\/blog\/how-to-make-a-third-party-insurance-claim\/\">3rd party insurance<\/a><\/li><\/ul>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Contact_insurance_company\"><\/span>Contact insurance company<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Immediately contact your insurance company to inform the incident.<\/p>\n\n\n\n<p>You have to fill up the claim form and provide several necessary documents. The insurance company will authorise an adjuster to conduct an &#8216;investigation&#8217; to look into your case. This is to prevent any false claims.<\/p>\n\n\n\n<p><em>*Note: In some cases, people report their cars as stolen due to the inability to pay off their bank loans. Meanwhile, they hide the car somewhere else.<\/em><\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Inform_your_insurance_company\"><\/span>Inform your insurance company<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Contact your <a href=\"https:\/\/bjak.my\/blog\/rhb-car-insurance\/\">car insurance company<\/a> to get an update. <\/p>\n\n\n\n<p>The investigation will take about 6 months to complete, before proceeding with the claim.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Wait_for_the_outcome_of_the_investigation\"><\/span>Wait for the outcome of the investigation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If the investigation fails to find any dubious elements in your car theft report, the insurance company will proceed with the claim.<\/p>\n\n\n\n<p>They will compensate based on the agreed value or market value when you renew your previous insurance.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Get_the_best_insurance_coverage\"><\/span>Get the best insurance coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In brief, third-party coverage does not compensate for car theft cases.<\/p>\n\n\n\n<p>Therefore, you need to get adequate insurance coverage for your vehicle. Spend a little more to protect your car from any untoward incident.<\/p>\n\n\n\n<p>You can visit Bjak to browse for the best insurance plan. More than 10 insurance brands for you to compare and choose from! Get quotes for free in just 3 minutes.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em data-l-s=\"67471\"><em><em data-l-s=\"67471\"><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison websites, offering policies from over 10 brands. Get your <a href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=\">free insurance quote<\/a> from Bjak today!<\/em><\/em><\/em><\/em><\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=does-third-party-policy-cover-car-theft\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"50547\">Get Free Quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Read more:<\/p>\n\n\n\n<ul><li><a style=\"background-color: var(--nv-site-bg); font-family: var(--bodyfontfamily); font-size: var(--bodyfontsize); font-weight: var(--bodyfontweight); letter-spacing: var(--bodyletterspacing); text-transform: var(--bodytexttransform);\" href=\"https:\/\/bjak.my\/blog\/how-to-prevent-motorcycle-theft\/\">How to Prevent Motorcycle Theft&nbsp;<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurance-coverage-1st-party-vs-3rd-party-insurance\/\">Insurance Coverage: 1st Party vs 3rd Party Insurance<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-accessories-theft-can-you-claim-insurance\/\">Car Accessories Theft: Can You Claim Insurance?<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Car theft could happen unexpectedly.<\/p>\n<p>However, a third-party policy can cover your losses. Read on as we share more about the policy plan.<\/p>\n","protected":false},"author":7,"featured_media":35225,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,59,1073],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Third Party Policy Cover Car Theft? | BJAK<\/title>\n<meta name=\"description\" content=\"Car theft could happen unexpectedly.However, a third-party policy can cover your losses. 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