Provided the vehicle is locked and the insured items are in a locked luggage compartment and out of site, they're covered. In the event of a theft claim, there must be evidence of forcible and/or violent entry or exit.
In addition, we won't cover theft from a vehicle unless it has a fixed room of the same or similar construction material to the rest of the car. This means, we don't cover convertible vehicles.
Finally, we won't provide cover if your equipment is stolen from your vehicle and the vehicle was in close proximity to the insured location. We expect you to take your instrument out of the car and keep it safe when you can.