Catalytic Converter Theft: Is It Covered by Insurance?

Catalytic Converter Theft: Is It Covered by Insurance?

Catalytic converter theft is a crime in which thieves steal the catalytic converter from a vehicle for the valuable metals it contains. The catalytic converter is an important emission control device that helps reduce the number of harmful pollutants released by a vehicle.


Whether or not catalytic converter theft is covered by insurance will depend on the specific terms of the insurance policy. Some policies may cover the theft of catalytic converters as part of the coverage for theft of the vehicle or its parts, while others may not. It's a good idea to review your insurance policy and speak with your insurance agent or company to determine what is covered.


If you are concerned about the risk of catalytic converter theft, there are a few steps you can take to reduce your risk:

  1. Park your vehicle in a secure, well-lit location, such as a garage or a parking lot with security cameras.
  2. Consider installing a catalytic converter protection device, such as a locking device or a security cage.
  3. Use a steering wheel lock or another visible deterrent to make it more difficult for thieves to steal your catalytic converter.
  4. Consider etching your vehicle identification number (VIN) on the catalytic converter to make it more difficult for thieves to sell the stolen converter.

If you do experience catalytic converter theft, it's important to report the incident to the police and to your insurance company as soon as possible.

Auto insurance policies generally provide coverage for the theft of a vehicle or its parts, including the catalytic converter. However, the specific terms of the policy will determine what is covered and to what extent. Some policies may exclude coverage for theft of the catalytic converter or may limit the amount of coverage available for this type of loss.


It's a good idea to review your auto insurance policy and speak with your insurance agent or company to determine what is covered in the event of catalytic converter theft. You may also want to consider purchasing additional coverage, such as a comprehensive insurance policy, which provides protection against a wider range of perils, including theft.


If you are concerned about the risk of catalytic converter theft, you may also want to consider taking steps to reduce your risk, such as parking your vehicle in a secure location, installing a catalytic converter protection device, using a steering wheel lock or another visible deterrent, and etching your vehicle identification number (VIN) on the catalytic converter.


Keep in mind that the best way to protect yourself against the risk of catalytic converter theft is to be vigilant and aware of your surroundings, and to take steps to secure your vehicle and its parts.