broken passenger window car smashed by a thief. In this blog we talk about contents and car insurance

Does Insurance Cover Valuables Inside Your Car?


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Do you ever wonder if your car insurance will cover stolen valuables if your car is broken into? When it comes to contents cover and car insurance, it’s understandable that you’d wonder what’s actually covered INSIDE your vehicle. After all, there’s nothing worse than getting to your car to find your sunglasses or clothing gone!

In this blog post, we’ll take a closer look at what your insurance covers when it comes to valuables in your car. We’ll also give you some tips on how to protect your valuables and make sure you’re covered in the event of a theft.

Warning sign - Do not leave valuables in your car

So, what’s the deal with contents and car insurance?

Does car insurance cover your valuables if they’re stolen from your car?

The answer is … it depends. Most standard car insurance policies don’t cover personal belongings, but some comprehensive policies offer optional contents cover up to a predefined limit.

With PD’s Comprehensive Car Insurance cover, for instance, you can get vehicle contents cover is an optional add-on.

If you have it we’ll pay, up to a limit of $750*, for loss of, or damage to, child safety seats, clothing, personal belongings and/or groceries in your vehicle caused by an Incident.

An ‘incident’ means your stuff being stolen or damaged due to theft or attempted theft, a crash, fire, flood, a malicious act (like vandalism), or hail or a storm. (Speaking of vandalism, ever wondered Does Car Insurance Cover Vandalism? We have the answers!)

There are certain exclusions to this, including things like money (the actual notes and coins!), so be sure to always read our Product Disclosure Statements to keep yourself informed about contents and car insurance.

And always remember that for all theft claims, you need to report the incident to the police service in the state or territory where it took place!

Safety seat for baby in car. In this blog we talk about car insurance and contents cover

How to guard your valuables against theft

While you can get vehicle contents covered as an optional add-on by your car insurance, it’s best to ensure you’re not a victim of crime in the first place.

A few simple tricks can make you a harder target and keep your precious items safe. Here are our tips:

Be a ninja. Thieves are always looking for easy targets, so don’t make yourself one. Lock your doors and windows, even when you’re just running into the store for a few minutes.

Be a chameleon. Don’t leave your valuables in plain sight. Thieves can see them even if you think they’re hidden. Put them in the trunk or glovebox, or take them with you.

Be a magician. Make it harder for thieves to break into your car and install a security system or get a club for your steering wheel.

Be a watchdog. Be aware of your surroundings. If you see something suspicious, say something. Report it to the police or your security company.

Contents and car insurance – Be a ninja turtle. Hide your valuables in a secret compartment. This is a great way to keep them safe from prying eyes.

Be a valuables whisperer. Don’t tell everyone you know what valuables you have. Thieves can overhear your conversations and use that information to target you.

Be a valuables ninja. Mark your valuables with your name or initials because this will make it harder for thieves to sell them.

Be a valuables insurance guru. Get contents car insurance with PD Insurance! This will help you recover your losses if they’re stolen.

A thief looking into a car. We're talking about contents and car insurance in this blog

Finally, here are more awesome resources to keep yourself informed:

Insurance for the unexpected

Now you know more about vehicle contents and car insurance when your car is broken into! PD Insurance is an award winning brand that offers three car insurance plans, so you can choose the best option to suit your pocket. Click below to get a quote today.

  • Correct at time of writing. Limits are subject to change

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