Ryan Barham
Last updated: 26/09/2025
As experts in temporary car insurance, we advise all motorists to stay informed about ways you can protect your vehicle.
"We recognise how devastating it can be if your car is stolen. Beyond the physical loss, the life disruption and added stress can also linger. That’s why it’s important to stay informed about ways to protect your vehicle.“ “There’s a few precautions you can take to fend off the thieves, such as using a steering wheel lock, installing an immobiliser, and putting up motion-sensor lights if parking at home.” “But if you are unlucky enough to have your car stolen, temporary car insurance is one option that can offer greater flexibility, especially if you're borrowing a car from a friend or family member, helping to ease the burden if the unexpected happens.” “A car is often more than just a means of transport, it can be an integral part of life, so being prepared can help protect it and deter potential thieves."
Claire Wills-McKissick, Temporary Insurance Expert
[1] Freedom of Information request submitted to the DVLA. Data available on request.
Related tags:
Temporary Car InsuranceDriving AdviceCar InsuranceTempcoverIf your financed car is stolen, promptly inform the police, insurer, and finance provider. You'll get a crime reference number from the police for your insurance claim. Your insurance typically covers the car's market value, potentially less than your outstanding finance. You're liable for the remaining debt and must continue payments until claim settlement. If recovered, the insurer owns the car post-claim payment.
A theft claim on your car insurance is usually deemed a 'fault' claim, potentially affecting your no-claims discount (NCD). However, if you have a Protected No Claims Discount on your policy, your NCD remains unaffected by theft claims. You'll still need to pay the excess, and your premium may rise at renewal. Always review your policy's terms for theft claims and understand your Protected No Claims Discount specifics.
In the UK, impounded cars are stored at a specific pound. You'll receive a notification letter with instructions and the pound's location when your car is ready for collection. Adhere to these instructions for the retrieval process.
To retrieve your seized car, contact your local police within seven working days of the seizure notice and visit the specified pound. Present your driving licence, V5C logbook, address proof, and valid insurance certificate. Cover any removal and storage charges. If a third party is collecting, they need a letter of authority from you, their licence, and insurance certificate.
If your car is impounded, a release fee of £192 is required. Additional costs like temporary car insurance may be necessary to drive away from the impound lot. Always check specific charges with the impound lot to prevent unexpected costs.
Related tags:
Temporary Car InsuranceDriving AdviceCar InsuranceTempcover