Any insurance experts out there?

[Sandperson]

Just got home to find the house has been burgled. I think I dropped my keys outside earlier this afternoon (and feel like a right idiot!) and that's how they got in. I'm a little worried that the insurance company won't pay out on a claim like this does anyone know?

Can't find anything in the policy document and the offices are closed at the weekend.

[benjaminty]

based on experience of working in the industry moons ago .. smash a front window and mention nothing of your missing keys

[Sandperson]

Ok...:)) and if I don't lie?

[woofmarkthedog]

OOOps

Be careful & get some independent advice , we had a camera stolen, my god it was like the spanish inquisition,interviews on the phone bla bla....and the police knew the guy "wot dunn it"

Still they paid out (in vouchers) quite quickly

Good luck though

W**F

[ClareC]

Have you reported the burglary to the police? You will need to do this and they will give you a crime reference number which you will need to provide to your insurers. Did you tell the police you lost your keys?

For the insurers to reject the claim this situaton would need to be excluded in the policy wording. If you cant find an exclusion that covers this, you should be covered (provided of course theft is covered).

Stick with the truth, insurers are not stupid and are particularly vigilant at the moment what with the economic situation.

[Tony.London Suburbs]

Insurance Industry is legalised theft.

You are usually only insured for things that can't happen.:))

Worked with L And G,Pru, Zurich, Royal Sun Allon, Commercial Union, Norwich Union, Pearl and various others in the 1970's..

If they can wriggle out of something they will find all the small print imaginable to do so.

Not a fan...B)

[AllforNun]

easy - just say that while you were at the park you think someone must have stolen your keys and wallet from you bag. You only noticed hours later when you a. could not find your car keys or B. got home and found yourself unable to get in due to lost keys, got hold of your spare set from your friend and let yourself in and Bang...house robbed, say you had two purses one with credit cards etc which they did not get and the other with library cards, gynm stuff etc, one had home address on.

[Tony.London Suburbs]

Not only Diamond Geezers but streetwise these Sarf Londoners...::o

[Sandperson]

Thanks guys. I have reported to the police and had them come and fingerprint. I'm off to phone the insurers up again now.

Fingers crossed.

[woofmarkthedog]

Lets hope they don't read the EDF then........

W**F

*sirens sound in the distance......closer....& closer *

[Sandperson]

I'm not going to make anything up Woof. I lost my keys, not sure how or where, and was burgled. That's all I know.

[Tony.London Suburbs]

Good Luck Sandperson: Honesty is the best Insurance Policy...

[*Bob*]

I'm sure are the day draws on it'll become less and less likely that you might have dropped them outside your house.

Don't forget about that expensive jewellery and brand-new laptop when you fill the form in.

[woofmarkthedog]

Yes indeed "economy with the truth" is very prudent however

W**F

[Sandperson]

Hmm, they reckon they can trace anything bought from Currys over the last ten years. If that's true then I'm a monkey's uncle. What if you pay cash? I am not a good liar. I have embellished slightly but no more. Was thinking about the laptop but couldn't bring myself to say it and I think it'll look very dubious now if I call back and add it!

[Sherwick]

Can this thread be used as evidence in a Court of Law?

Just wondering... ::o

[Sandperson]

What thread?

[Sherwick]

Sandperson Wrote:

-------------------------------------------------------

> What thread?

Dunno, can't remember.

What's a thread?

[sophiesofa]

have you seen the post sandperson about someone found some keys on North end of Scutari Rd? Worth a look

http://www.eastdulwichforum.co.uk/forum/read.php?5,271196

[Sandperson]

Thanks SS, I did see the thread and didn't put two and two together as I don't think my keyring is that distinctive but I have dropped a PM!

Edit: they aren't mine.