An analysis by Tesco Bank found the most claims for stolen motors in the last 12 months were for Ford models, with black vehicles most commonly targeted.
But no matter what set of wheels you drive, you should check your insurance offers the right level of cover against theft.
Here, Which? takes a closer look at the data around vehicle theft and offers advice on how to protect your car.
Which cars are most likely to be stolen?
Tesco Bank's research suggests some brands are more likely to be stolen than others.
The insurer analysed its own claims data from the year to August 2024, and found that 16% of claims for stolen motors were for Ford models.
Land Rovers were second, also accounting for 16% of claims, followed by Mercedes (9%), BMWs (8%) and Toyotas (5%).
This table shows the top 10 stolen car brands, according to Tesco Bank's research.
Age also matters when it comes to car theft, with vehicles between five and nine years old responsible for 52% of insurance claims.
Cars manufactured 10 to 14 years ago accounted for 23% of claims, while 15% of claims were for relatively new cars, aged four years or less.
Why are some brands stolen more than others?
These figures don't necessarily mean that driving a black Ford will automatically make you a target for thieves. Tesco Bank's claims data may simply be reflecting the fact there is a higher volume of some models and colours on the market. For example, figures from the Society of Motor Manufacturers and Traders showed the most popular car in the year to August 2024 was the Ford Puma.
Having said that, stolen cars are sometimes broken down overnight and sold on for parts in the morning. This means thieves may target popular brands such as a Ford over less common brands because of the relative ease in reselling expensive parts such as steering wheels, bumpers and exhausts.
Keyless models are easier to steal
Keyless technology is an increasingly common feature of modern cars. It allows you to securely access and start your car without the faff of turning a lock. Instead, a fob you keep on your person signals when you're close to your vehicle.
Is car theft on the rise?
When we surveyed drivers last November, we found theft accounted for 10% of car insurance claims, far less than accidental damage, which made up 39% of claims.
On paper, car theft appears to have risen over the last few years. The insurer LV reported that insurance claims for theft surged by 59% between 2021 and 2022, though the pandemic may have an impact on this figure.
Data from the Office of National Statistics show signs that vehicle-related crimes are beginning to fall. Its latest crime survey, covering the 12 months to March 2024, revealed vehicle offences are down 6% year-on-year.
This includes all vehicle-related crimes such as stealing from a vehicle and 'interfering' with a motor. If we look at car theft only, we can see the number of incidents decreased by just 1%.
Check your insurance covers theft
Not all insurance policies cover the costs of theft. Your ability to claim, and the amount the insurer will pay out, depends on the level of cover you bought.
Basic third-party insurance, the minimum you need to drive on UK roads, will only cover the costs of damage to someone else's car or injury to another person. You won't be able to claim anything if your vehicle is stolen. For that, you'll need to buy third-party, fire and theft insurance or a comprehensive policy.
If your car is eventually found and little damage has been done, claiming should be as straightforward as if you've been in an accident. However, if they don't recover your car or the damage is too great, your insurer should usually offer you the car’s market value so you can buy a replacement.
Remember, even if your insurance does say it will cover theft, insurers can refuse a claim if they believe you've been careless. For example, you left the keys (or other devices like keyless entry cards) in or on the car, or if you left the car unattended with the engine running.
Find out more:What to do if your car is stolen
Discovering your car has been stolen is stressful, but don't panic. It's important you take the these steps to ensure any claim you make for damage is successful:
Report to the police: Call your insurer:Which? Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665 and is an Introducer Appointed Representative (FRN 610689) of the following:
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