Does car insurance actually cover keyless theft, or is there a catch in the small print?

Comprehensive policies and Third Party, Fire and Theft policies both cover vehicle theft, regardless of the method a thief used, as long as you have not been negligent under the terms of your policy. A relay attack, signal jamming, or an OBD port attack are all treated as theft in the same way as any other method.

Third Party Only cover does not include theft at all. If that is your policy level, a stolen vehicle is simply not covered, whatever method was used.

This is general information, not insurance advice specific to your circumstances. Your own policy wording is what actually governs your claim, so it is worth reading the theft and security sections before you ever need them.

Fitting a security device is only half the job. Insurers increasingly ask for proof: an invoice, an installation certificate, or evidence the device was active at the time of the theft. Without that paperwork, even a genuinely fitted device can be hard to demonstrate after the fact.

Every LockCar installation includes a full insurance certificate documenting the security measures fitted to your specific vehicle, which you can keep alongside your policy documents and hand to your insurer if a claim ever needs supporting evidence.