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Does insurance cover catalytic converter theft?

Catalytic converter theft has become a significant problem in recent years. Thieves steal catalytic converters because they contain valuable metals, such as platinum, palladium, and rhodium. Unfortunately, replacing a stolen catalytic converter can be expensive, which begs the question: Does insurance cover catalytic converter theft?

The answer is not straightforward, as it depends on your insurance policy and the circumstances surrounding the theft. However, there are several things you can do to protect yourself and your vehicle from catalytic converter theft, as well as options for insurance coverage.

What is a Catalytic Converter and Why are they Stolen?

A catalytic converter is a device installed in the exhaust system of vehicles to reduce harmful emissions. They contain valuable metals, making them a target for thieves looking to sell them for scrap. With the increase in metal prices in recent years, the theft of catalytic converters has become a lucrative business for criminals.

Thieves can steal catalytic converters in a matter of minutes by using power tools to cut them out of the exhaust system. The theft can leave a vehicle with a loud and inefficient exhaust, making it unsafe and illegal to drive.

Does Your Insurance Policy Cover Catalytic Converter Theft?

Whether or not your insurance policy covers catalytic converter theft depends on the type of policy you have. Comprehensive coverage typically covers theft, including the theft of catalytic converters. However, liability coverage does not cover theft or damage to your own vehicle.

It is essential to review your insurance policy carefully and understand the coverage you have. Some policies may have limitations or deductibles for theft, which could impact your coverage for catalytic converter theft.

What Should You Do if Your Catalytic Converter is Stolen?

If your catalytic converter is stolen, you should report it to the police immediately. They may be able to recover the stolen converter and identify the thief. You should also contact your insurance company to report the theft and determine what coverage you have.

It is important to keep all receipts and documentation for any repairs or replacement of the stolen catalytic converter. This will help you file a claim with your insurance company and potentially receive reimbursement for the cost of the replacement.

How Can You Protect Your Vehicle from Catalytic Converter Theft?

There are several steps you can take to safeguard your vehicle from catalytic converter theft. One of the most effective is to install a catalytic converter anti-theft device. These devices make it more difficult for thieves to steal the converter by securing it to the vehicle’s frame with a cable or clamp.

Another option is to park your vehicle in a well-lit area or a garage. Thieves are less likely to target a vehicle that is visible to others. You can also engrave your vehicle’s VIN number on the catalytic converter, making it easier to identify if it is stolen.


Catalytic converter theft is a growing problem, but there are measures you can take to protect yourself and your vehicle. Review your insurance policy to understand the coverage you have for theft, including catalytic converter theft. If your converter is stolen, report it to the police and your insurance company immediately.

Finally, take steps to protect your vehicle from theft, such as installing an anti-theft device or parking in a well-lit area. By taking these steps, you can reduce the risk of catalytic converter theft and protect your investment in your vehicle.