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Old 03-25-2011, 11:21 AM
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Cool theft from 'convertibles'

Asked my insurance agent about her company statistics on "theft from convertibles" as follow up from previous threads here.

Her response, while unsubstantial, did provide a modicum of information.

She advised her company "did NOT" have statistics available to *me the customer* relating to theft, break ins or vandalism to soft topped vehicles. She was personally unaware of such numbers herself, but was sure the corporate underwriters DID have some basis for formulating policies.

She pointed out a couple facts that did give me something to consider.

1) "Vehicle contents" is covered under 'home owner' policy;

2) in her company, ALL convertibles/soft top vehicles have higher 'comprehensive' rates than hard topped vehicles.

3) her experience (20+ years as agent/broker) was that claims for vandalism/break in/theft/damage were indeed higher than for hard topped vehicles.

Not as solid a report as I'd like to file here.
And research google sources in a 20 minute study by me, didn't do much to satisfy my inquiry.

Here's a couple links with a little data of related but very limited commentary if you want to read a bit.

Convertible guide from Consumer Reports

FBI reports car thefts at all-time low, but so are recoveries — Autoblog

What other Jeepers do with their own rig is none of my business. The inquiry remains open as to any hard data of this subject, and if any have links to other sources please share.
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