Lost nearly all of my Nikon gear in a house burglary in the 90s. Not insured that time so the good thing was that it put me in the buying/trading used mode to recover.

2002 another house burglary - different town, different house - good insurance this time. Replaced everything and upgraded my 300/4.5 AIS to the AFS 300/4 - heck of a good trade.

Oddly, as the burglars have grabbed one or two bags and left others each time, I still have the 28/3.5 and the 85/2 that represent the first and third lenses I ever bought.

So far I've not lost a camera from a car but I'm discreet to the point of being paranoid and sneaky getting stuff into and out of the vehicle while traveling where people are around.