Millions of drivers are expected to take to the road this weekend to travel and see their family and friends for Christmas.
Many more may be trying to get in some last minute Christmas shopping buying food or presents before the 25th.
According to Consumer Intelligence Ltd, festive shoppers will make an average of three of four trips to the shops on the run up to Christmas and spend on average £700 on presents food and drinks.
Drivers are being warned that leaving these things in their car could lead to them being nicked by opportunistic thieves.
Almost half (46 per cent) of drivers admit to leaving present and gifts in their car.
Which Money? has analysed dozens of insurers to see if your premium would cover you if your car was broken in to or stolen.
The research revealed that very few insurers would actually cover you for anything near the value for the items your putting at risk in the car.
Personal belongings cover, is a part of most insurance policies and would cover some of the stolen goods but perhaps not to the same value as your Christmas shopping and presents.
Here is the table of personal belongings insurance cover as compile by Which?:
Aviva - £150
Sheilas' Wheels - £200
Esure - £150
Post Office - £100
Churchill - £250
Co-op - £250
Toyota - £500
Diamond - £150
Direct Line - £250
Elephant - £150
Halifax - £100
Hastings Direct - £300
Swinton - £200
Quotemehappy.com - £150
John Lewis - £250
Admiral - £150
Lloyds Bank - £100
LV - £300
Marks & Spencer - £200
RAC - £150
More Than - £250
NFU Mutual - £250
Privilege - £250
AXA - £300
Rias - £150
AA - £250
Saga - £2,000 in December (£1,000 otherwise)
Sainsbury's Bank - £250
Bank of Scotland - £100
Swiftcover - £300
Tesco Bank - £200
Zurich - £250
Express. Home of the Daily and Sunday Express.
Car insurance WARNING - Ignoring this advice could ruin Christmas
MOTORISTS are being warned that leaving their christmas presents in their car could risk them not receiving a payout if they are stolen.
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Millions of drivers are expected to take to the road this weekend to travel and see their family and friends for Christmas.
Many more may be trying to get in some last minute Christmas shopping buying food or presents before the 25th.
According to Consumer Intelligence Ltd, festive shoppers will make an average of three of four trips to the shops on the run up to Christmas and spend on average £700 on presents food and drinks.
Drivers are being warned that leaving these things in their car could lead to them being nicked by opportunistic thieves.
Almost half (46 per cent) of drivers admit to leaving present and gifts in their car.
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Which Money? has analysed dozens of insurers to see if your premium would cover you if your car was broken in to or stolen.
The research revealed that very few insurers would actually cover you for anything near the value for the items your putting at risk in the car.
Personal belongings cover, is a part of most insurance policies and would cover some of the stolen goods but perhaps not to the same value as your Christmas shopping and presents.
Here is the table of personal belongings insurance cover as compile by Which?:
Aviva - £150
Sheilas' Wheels - £200
Esure - £150
Post Office - £100
Churchill - £250
Co-op - £250
Toyota - £500
Diamond - £150
Direct Line - £250
Elephant - £150
Halifax - £100
Hastings Direct - £300
Swinton - £200
Quotemehappy.com - £150
John Lewis - £250
Admiral - £150
Lloyds Bank - £100
LV - £300
Marks & Spencer - £200
RAC - £150
More Than - £250
NFU Mutual - £250
Privilege - £250
AXA - £300
Rias - £150
AA - £250
Saga - £2,000 in December (£1,000 otherwise)
Sainsbury's Bank - £250
Bank of Scotland - £100
Swiftcover - £300
Tesco Bank - £200
Zurich - £250
Saga is the only insurer to compensate for the December period and Toyota is the only company to offer a substantial amount for personal belongings.
Graeme Trudgill, executive director of the British Insurance Brokers' Association, said: "Most motor policies will also have limits on the value of personal possessions including presents – this will probably be limited to around £150, which is likely to be similar to your excess and it might affect your NCD (unless protected).
"The insurers may have a condition regarding taking reasonable care, so if the presents aren’t out of sight in a locked boot or compartment there may be no cover if they are stolen when you aren’t in or near the car."
Source : express.co.uk