How to beat the car thief

The financial loss of a stolen car is bad enough and although insurance will compensate for this, nothing can help with the shock and inconvenience. Walk around many car parks and you'll see cars with windows open, ignition keys in the lock, sunroofs open, valuable property and clothing on display on the rear seat.

Remember, if you are careless when leaving your car then your claim for theft may not be paid at all. Your insurance policy requires you to take reasonable care of your property at all times.

Be sensible. Follow the checklist below every time you leave your car.

Checklist: Taking care of your vehicle

Windows etched
Have all the windows etched with the registration number of your car. This deters car thieves.

Professionally-fitted alarm/immobiliser
Many insurers allow a special premium discount if your car has a professionally-fitted alarm/immobiliser system. The Motor Insurance Repair Research Centre checks on vehicle security devices to see if they comply with the criteria of the Insurance Industry Vehicle Security Scheme. The list of those products that have passed is used by insurers as a basis for premium discounts and required security. Ask your insurer what systems they approve or require. They may also require the system to be fitted by a member of the independent Vehicle Security Installation Board. Your insurer or broker can advise you about this.

Checklist: For every trip

Where to leave your car
At night, park in a well-lit place. Thieves like working in shadows. In a ticket-exit car park, take the ticket with you.

Remove car ownership information
Don't leave your certificate of insurance and registration document in the car.

Hide property
Leave property in a locked boot. In a hatchback the rear shelf should be in position. In an estate car cover up property with a sheet or blanket.

Remove the ignition key
Don't leave the key in the ignition - not even for just a few seconds to go into your home, a shop or pay for petrol.

Close all windows
When you leave the car, close windows. Don't forget the sun roof.

Use an antitheft device
Thieves are opportunists. They will probably move on to a car without a device fitted.

Always lock doors and boot/tailgate
Even when the car is in your own drive or garage, lock it and take the keys with you.

Children and animals
Never leave young children or animals alone in a parked car. With windows or sunroof open you run the risk of theft. With windows closed there is a grave danger of suffocation.