Running a bit late already this morning, “winter wonderland” wasn’t my first thought on seeing the block of ice on my drive which used to be my car. I wasn’t exactly prepared – couldn’t find my nice sprung action scraper, nor the de-icer spray. Eventually managed to get the windows clear and safe so was only 10 minutes late for work – better safe and late than not get there at all.

The “easy” solution

It would have been easy to do what a lot of people still do – start the engine, turn up the heating and nip back in for a cuppa. In fact, very easy for me as I live in a small community with electronic gate entry. But the experience of a client some years ago prevents me from doing it. He lived in a quiet village, left the car running on his driveway and came out to see it disappearing into the distance, never to be seen again. To then find that his insurer refused to pay because he had not taken reasonable precautions was a really heavy blow.

Yes, it is incumbent upon you as the policyholder to (this is from a standard policy wording issued by a major insurer) “ensure that the car is locked, windows/sunroofs are closed, any required security devices are activated and all keys and keyless entry system devices are removed when the car is left unattended”. 


A lady in the Luton area was killed a few years ago whilst trying to stop someone driving off with her vehicle. I suspect many of us would make the attempt faced with such a situation.


This type of theft is known as “ice-jacking” and, to be honest, is not all that difficult to avoid with a few simple precautions.