car jacking

Car theft without forced entry: will the insurer provide compensation?

Publié le 9 December 2025 par Pistonelle Vectalia

Mouse jacking, or car theft, is one of the most common strategies used by car thieves in France. These thieves hack into the car’s system to steal it, without leaving any visible signs of forced entry. The question is, in these cases where there are no visible signs of forced entry, can your insurance company provide substantial compensation? How should you react in the event of theft without forced entry?

Car jacking

What is mouse jacking?

Mouse jacking is a theft method by which criminals hack a car’s security system using a signal jammer and a laptop. This method allows them to enter your car without leaving any trace of forced entry, and also to start it in no time. This method is generally implemented on new types of high-tech vehicles with GPS and automated systems, such as the Audi Q3.

How can you protect yourself against car theft using a steering wheel lock? To prevent this from happening to you, one of the most effective solutions remains a steering wheel lock. You can also install a handbrake lock and even a wheel clamp that secures your car’s wheels. This way, even if your thief manages to start the car, they won’t be able to move it, let alone drive it. These alternatives are also inexpensive; for €20 or €30, you can, for example, purchase a steering wheel lock

on the website anti-theft-lock.com

Furthermore, the fact that they are not hidden helps discourage thieves.

What to do in case of theft?

The most important thing to do is file a police report immediately. Ideally, you should do this within 24 hours of discovering your car was stolen. Then, go to your car insurance company and file a police report with them. No break-in, no compensation from the insurer?

If thirty days pass after your car is stolen without it being seen again, it is considered a total loss.

If you are indeed the owner, you have nothing to worry about; your car will be fully reimbursed, proportionally to its current market value.

Pistonelle Vectalia
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