It's not just entire cars that are stolen - thieves are often only interested in certain parts of the car. These can then easily be sold online. The resulting cost for insurance companies is becoming increasingly expensive and generally exceeds the value of the parts themselves. The German Insurance Association (GDV) reports an increase in theft and increasing regulatory costs.
Which parts are most frequently stolen?
The total cost resulting from parts theft totalled around 124 million euros in 2024, which is nine percent more than 2023. On top of that, the unit value is also increasing, as stolen parts are often increasing in valve and becoming more expensive. By comparison: During the pandemic, parts theft fell sharply, resulting in just 91 million euros total costs due to parts theft in 2020.
On-board computers, steering wheels, airbags and navigation devices are particularly popular with thieves. Expensive rims or entire tyre kits are also often targeted by thieves. Catalysts are also a popular target on older vehicles, as the precious metals they contain, such as rhodium, platinum and palladium, currently achieve high sales values on the raw material market.
And number plates are also right at the top of the list. The motives are varied: A silly antic, the desire for an up-to-date MOT sticker or use for other criminal purposes.
The theft of entire vehicles cost over 310 million euros. Here, the thieves focus in particular on high-quality cars, SUV models and small vans. But vintage cars and classic cars are also sought-after.
Who is responsible for the damage?
The theft of parts installed or permanently connected to the vehicle is a matter for the car insurance. Specifically, third party insurance is responsible for this, which in turn is included in the comprehensive insurance cover. This means that both third party and comprehensive insurance cover the damage. Good to know: The no-claims bonus remains unaffected by this.
What preventative measures can drivers take against this?
To prevent vehicle break-ins, it important not to leave any valuable items in the car. Anything that is not permanently connected to the vehicle is not covered by the car insurance. For example, a mobile phone left in the car or a purse will not be replaced. This also includes satellite navigation devices.
Further anti-theft measures: When leaving the car, the ignition key should always be removed, even in the event of a short period of absence, such as when refuelling. It is also important to lock or secure doors, windows, boots, sunroof and fuel cover. The roof should also be closed on convertibles. Additional mechanical protection such as gearshift lock, wheel lock, steering wheel lock, wheel clamp or electronic protection such as an alarm system or tracking systems can also help.
Particularly high-end vehicles should not be parked on the road or in unprotected carports. Lockable garages are preferrable if possible. It is also better to park the vehicle in well-lit and highly frequented places.
When locking the vehicle with radio remote control, watch for a visual signal that confirms locking. Otherwise, ignition blocks could also have prevented locking. Care is also required with keyless comfort systems. Never place the key in the vicinity of the house or apartment door or, alternatively, use a radio-tight covering, for example.