Vehicle Break-In Cover
AIG is currently the only insurer listed on BJAK offering Vehicle Break-In Protection as a paid add-on. It may reimburse eligible personal belongings stolen from your car during a covered break-in, subject to the policy's claim limits, excess and conditions.
This benefit is separate from cover for damage to your car. Check the AIG add-on details on BJAK and compare available car insurance options before buying.
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What does Vehicle Break-In cover?
AIG's Vehicle Break-In Protection may reimburse eligible personal belongings stolen from your vehicle. Whether an incident qualifies depends on the policy wording and evidence provided.
| Situation | Is it covered? |
|---|---|
| Handbag, wallet or personal belongings stolen during a covered break-in | May be covered, subject to policy terms |
| Mobile phone, tablet or laptop stolen from the car | Check whether the item qualifies and whether exclusions or limits apply |
| Cash or other valuables stolen | Check the policy's exclusions and item limits |
| Broken window or damaged door | Not automatically covered under the personal belongings benefit |
| Stolen car keys | Check whether separate key replacement cover is available |
| Entire vehicle stolen | Generally handled under the vehicle's theft protection, subject to policy terms |
| Items stolen without clear signs of forced entry | Eligibility depends on the policy's requirements and evidence |
Important
Do not assume every stolen item is covered. Check the eligible belongings, exclusions, claim limits and proof-of-loss requirements in your policy.
Does comprehensive car insurance cover vehicle break-ins?
Comprehensive car insurance generally covers eligible theft and accidental damage to your own vehicle. However, this does not automatically cover personal belongings stolen from inside the car.
| Type of protection | Main purpose |
|---|---|
| Comprehensive car insurance | Covers eligible theft and damage to your own vehicle, subject to policy terms |
| Vehicle Break-In Protection | May reimburse eligible personal belongings stolen during a covered break-in |
| Car Key Replacement | May cover eligible costs to replace lost, stolen or damaged keys, depending on the benefit |
| Windscreen cover | May cover eligible damage to the windscreen, windows or sunroof |
Not every insurer offers all these benefits. Check the BJAK car insurance add-on comparison to see which options are available.
You can also read BJAK's guide to car theft and total loss claims to understand how claims for a stolen vehicle differ from claims for stolen belongings.
What limits and conditions should you check?
Before purchasing Vehicle Break-In Protection, review the policy wording and benefit schedule.
| What to check | Why it matters |
|---|---|
| Maximum claim amount | Sets the maximum payable for eligible losses |
| Excess | You may need to bear part of the claim yourself |
| Police report deadline | Some policies specify a reporting deadline |
| Signs of forced entry | The insurer may require evidence of a break-in |
| Claim frequency | The policy may limit the number of claims |
| Eligible belongings | Certain items may be excluded or subject to separate limits |
| Proof of loss | Receipts, proof of ownership and other evidence may be required |
For example, AIG's Vehicle Break-In benefit has specific claim conditions. Check the latest AIG policy documents and add-on details for the applicable limits, excess and reporting requirements. Do not assume these conditions apply to every insurer.
How to claim for stolen belongings after a vehicle break-in
If you discover that someone has broken into your car, follow these steps:
Report the incident
Make a police report as soon as possible and follow your policy's reporting deadline.
Take photos
Photograph the damaged window, door or other signs of forced entry, if safe.
List missing items
Record the stolen belongings, including their brand, model and estimated value.
Gather evidence
Keep receipts, proof of ownership, repair estimates and other relevant documents.
Contact your insurer
Confirm the coverage, claim requirements and whether an inspection is needed.
Submit your claim
Send the required forms and supporting documents to your insurer.
Documents you may need
Depending on the policy, prepare:
- Police report.
- Photos of the break-in and any damage.
- List of stolen belongings.
- Receipts or other proof of ownership, where available.
- Completed claim form.
- Insurance policy details and identification documents, if requested.
Keep copies of your documents and follow your insurer's instructions. All claims are subject to assessment and the applicable policy terms.
Frequently asked questions
No. BJAK currently lists AIG as the only insurer offering this specific add-on. It is a paid benefit, and availability may depend on your vehicle and eligibility.
It depends on the policy's conditions and evidence requirements. Contact AIG to confirm whether the incident qualifies before assuming you can claim.
Not automatically under Vehicle Break-In Protection, which focuses on eligible stolen belongings. Check whether your main policy or a separate windscreen benefit covers the damage.
Possibly, if the item qualifies as an insured personal belonging and the incident meets the policy conditions. Check the exclusions, limits and proof-of-ownership requirements.
The amount depends on the applicable claim limit, the value of eligible losses, any excess and other policy conditions. The BJAK comparison page does not state a standard payout amount, so check the current AIG policy wording for the actual limit.
The outcome depends on the applicable policy and how the claim is handled. Ask AIG whether a claim under this specific benefit affects your NCD.
Compare car insurance with BJAK
A broken window and stolen belongings can lead to unexpected expenses. Vehicle Break-In Protection may help with eligible losses, but the benefit has specific limits and conditions. Compare car insurance on BJAK to explore available plans and add-ons. Before choosing, check the benefit limit, excess, exclusions and claim requirements so you understand what protection is available.