Stolen and Recovered Car

[Tommie38]

Simple question… if my car is stolen and the police returns it to me, what happens?

No insurance payout but the car is categorised as ‘stolen recovered’?

[Oceanrower]

If there’s no payout, why on earth would the insurance company put a marker on it?

[GasEngineer]

Don't the police have a record that the car was stolen and recovered separately from any insurance claim?

[paradigital]

GasEngineer said:

Don't the police have a record that the car was stolen and recovered separately from any insurance claim?

Probably, but that’s not a stolen recovered marker against the car for the likes of HPI to discover.

[popeyewhite]

Oceanrower said:

If there’s no payout, why on earth would the insurance company put a marker on it?

I had an Imprezza stolen off my drive many years ago, Christmas week. It had a tracker and was discovered in a lockup 24 hrs later by GMP. As the thieves had fished the keys through the letterbox (yes I know) they had done no damage to the locks and it happened the car itself hadn't been damaged. Within two days I had my car back, I did not inform the insurance company. I couldn't see the point. Anyway ownership was tarnished and I sold the car a few months later.

[paintman]

Also many years ago, but I had my Reliant Scimitar stolen off a car park in Leicester.
Found a couple of days later in Loughorough.
No damage. Of an age where steering locks hadn't been fitted so could have been started with a bent paper clip.
Insurance company hadn't paid out & no marker or increase in premiums.
Couple of mods to make it less stealable (yes, I know, horse, stable door, bolted )
Just got on with driving & enjoying it.

[E-bmw]

Oceanrower said:

If there’s no payout, why on earth would the insurance company put a marker on it?

^^^^ Wot 'e said.

[Tommie38]

GasEngineer said:

Don't the police have a record that the car was stolen and recovered separately from any insurance claim?

Partly this. I’m thinking about the value of the car to be honest, particularly with things like CarVertical drawing upon so many different information sources.

I did a CarVertical check recently and it said it had checked 900 data sources in 35 countries. Would be surprised if a stolen recovered car (even one that didn’t get an insurance payout) wouldn’t show.

[Tommie38]

Oceanrower said:

If there’s no payout, why on earth would the insurance company put a marker on it?

Could anybody else put a marker on a database? Not just insurance.

Edit: Any other database.

Edited by Tommie38 on Sunday 1st September 13:58

[E-bmw]

Tommie38 said:

Oceanrower said:

If there’s no payout, why on earth would the insurance company put a marker on it?

Could anybody else put a marker on a database? Not just insurance.

No, the only database that affects price is the insurance database, which is why so many posters above have told you this.

[Tommie38]

E-bmw said:

Tommie38 said:

Oceanrower said:

If there’s no payout, why on earth would the insurance company put a marker on it?

Could anybody else put a marker on a database? Not just insurance.

No, the only database that affects price is the insurance database, which is why so many posters above have told you this.

With respect, I’m not sure I agree. If a car being stolen and recovered were to show up on a Car Vertical check I would certainly take it negatively. Two like for like cars, I would absolutely take the car that did not have a check that showed up.

For the last five or so years, every car I have bought has had a Car Vertical check. Apologies if not clear, I did say not subject of an insurance payout.

Perhaps the only check you do on a car is the classic HPI. Totally fine, I am not judging how you buy a car.

[Its Just Adz]

Our Range Rover Sport was stolen, we got it back next day. No insurance payout made.
No marker on the car.

[Tommie38]

Thanks for the input all, much appreciated.

[gazza285]

Had my car stolen one night in Leeds city centre, outside a van hire place. I dropped the van off and wandered up to the cop shop to report it, only to be told it was parked round the back, they had found it on the inner ring road with no fuel in it. One copper was tasked with putting a gallon of fuel in it, so he could drive it back to the nick.

These days it would have been recovered on a low loader and carted off to a compound somewhere, where I could retrieve it after paying for the privilege, and sorting out my own fuel…

[Louis Balfour]

Its Just Adz said:

Our Range Rover Sport was stolen, we got it back next day. No insurance payout made.
No marker on the car.

Ditto.