As the title says, the local scum decided they needed my my 16yr old MK3 Mondeo more than I did. So much so, that they broke into my house during the night and stole the keys to get it. They stole a few other totally worthless items and about £20 in loose change. Obviously I informed the police and they did all they could which is obviously nothing more than give me a crime number.
Anyway, a couple of days later a police car's ANPR flagged the car in front as mine, being driven by the scum. A short chase ensued and the scum smashed my car into a parked car. Scum carried on and ended up at a dead end. The scum abandoned my car and fled on foot. Needless to say, scum got away. Police now have my car for forensics. I'll be getting the carcass back in a few days.
Now, here's my position. The car was worth £500-600 on paper. My insurance excess is £350. If I were to claim on this I'd get virtually naff-all, the car would probably be taken from me, and my policy would get loaded up. It's just not worth it. I'd rather just keep the car for spares for the replacement MK3 I'm going to buy.
But, what are my legal obligations regarding telling my insurance company? So far I haven't even told them it was stolen. And I don't want to, either. And, I haven't told my house insurance company either. Same deal there regarding nothing to claim for and getting my policy racked up.
And what about the poor guy whose parked car got whacked? Can he come after me or my insurance company?
My take on this is that the moment it was stolen and being driven by the scum the insurance ceased.
Can anybody advise on this?