How to handle a car break-in: Prevention and insurance tips

Picture this: you return to your car after running errands, only to find a smashed window and your belongings gone.  

Finding a car break-in can leave you feeling frustrated and vulnerable, especially when thieves take your valuable belongings. But are car break-ins covered by insurance? And what happens to the items stolen from your vehicle?  

Here's a guide to help you navigate the process and understand what your insurance does and doesn't cover.   

Does auto insurance cover a car break-in?  

When it comes to break-ins, car insurance can help with vehicle repairs, but it doesn't cover personal items stolen from cars.  

Comprehensive auto insurance can help cover the costs of repairs such as smashed windows or broken locks.  

It also covers the must-have items that keep your ride running smoothly. Think of audio systems, bike racks, car seats and all the cool gear that makes your car- well, yours! 

Can home insurance cover car break-ins?  

If thieves made off with your items, like your laptop, headphones or gym bag, you might wonder if you're out of luck.  

Here's the good news: most property insurance policies can cover stolen belongings, even if they are stolen from your vehicle.  

Standard coverage may not be enough for high-value possessions such as jewelry, professional equipment, or high-end electronics. Adding additional coverage to these items may help if they are damaged or stolen.  

How to prevent car break-ins 

Although there is no way to guarantee your car won't be targeted, taking proactive steps can significantly reduce the threat of car break-ins.  

Here's how you can protect your vehicle and belongings:  

Keep valuables out of sight 

Avoid leaving items like laptops, bags or wallets visible inside your car. If you have to leave your belongings in your vehicle, store them out of sight, either in your trunk or glove compartment.  

Lock up and roll up 

Always lock your car doors and close all windows, even if you just step away for a minute.  

Park smart 

If you have a garage at home, that is the best place to park your vehicle. However, if you don't have access to a garage, choose well-lit and high-traffic areas where thieves are less likely to target.  

What do you do if your vehicle is broken into? 

Discovering your vehicle has been broken into can be stressful and overwhelming. However, taking the proper steps can make the process smoother.  

Here's what to do:  

Stay calm and assess the situation 

Take a moment to check your surroundings and ensure it is safe to approach your vehicle.  

Call the police 

Use the non-emergency line to call the police and report the crime. You will want to file a report as soon as possible.  

Provide details such as a description of the damage, a list of stolen items and their values and any surveillance footage or witnesses if possible.  

Document the damage  

Take clear photos of your vehicle's damage from multiple angles. If items were stolen, list them along with proof of ownership, like receipts, serial numbers or even photos.  

Monitor for identity theft 

If sensitive items like credit cards, passports or personal documents were taken, alert your bank and the Canadian Revenue Agency  for stolen IDs. Contact the Government of Canada and file a document for lost travel documents if your passport was taken.  

Contact your insurance company 

You will want to file a claim with your insurance company once you have reported the crime to the police. If there is damage to your vehicle, you will need to go through auto insurance; for stolen items, you will have to go through your home insurance.  

If you bundle your auto and home insurance with one insurer, the claims process is more straightforward, and you may only need to pay one deductible.  

Bundle CAA Auto and Home Insurance¹ and save 10 per cent on your auto insurance and up to 12.5 per cent on your home insurance. 

Experiencing a car break-in is never easy, but knowing the steps to take can help you manage the situation more effectively. Preparation is key, from understanding the limits of your auto and home insurance coverage to taking proactive measures to protect your vehicle and belongings.  

¹Auto & Property Insurance are underwritten by CAA Insurance Company. Certain conditions, limitations and underwriting guidelines apply.

®/™ CAA trademarks are owned by, and use is authorized by, the Canadian Automobile Association.