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Will your car insurance policy cover Christmas theft?

By  AAMI

It’s that busy time of year again – Christmas shopping time!

As shopping centres become jam-packed with Christmas shoppers and carparks are buzzing with cars, there’s huge pressure to finish your shopping in one phenomenal day.

After a busy day of ticking off lists, you may wander back to your car to drop off numerous bags of presents, and prepare for round two.

Most people aren’t aware that during this busy time of year, thieves are watching and that theft from cars at Christmas is on the rise.

Here’s some tips to make sure you don’t fall prey to shopping centre thieves:

  • Make sure the Christmas presents aren’t visible, put them in the boot
  • Move your car to a new spot if you’re going back into the shops for more shopping
  • Don’t leave presents in the car overnight
  • Don’t leave your keys in the car
  • Always wind up the windows and lock your car (a surprising number of people don’t)

What happens if you do become a victim of theft?

An AAMI Comprehensive Car Insurance policy offers cover for accidental loss or damage to your personal property (things like clothing or electronic devices) up to a total of $1,000 when your car has been stolen or damaged in an incident covered by your policy. For additional cover, an AAMI Home and Contents policy offers Portable Valuables Cover as an Optional Cover for things like jewellery, watches and handbags up to $1,000 per item for any one incident. An excess applies when you make a claim under each of these policies. You should report any theft to the police as soon as possible and keep details including the report number.

From all of us at AAMI, have a safe and fun Christmas!


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Insurance issued by AAI Limited ABN 48 005 297 807 trading as AAMI. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available. The information provided should not be used as a substitute for professional advice. We do not accept legal responsibility for any loss incurred as a result of reliance upon any information presented – please make your own enquiries.