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Any insurance experts out there?

Sandperson

By Sandperson
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Sandperson

Sandperson

Posted
Posted

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.

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woofmarkthedog

woofmarkthedog

Posted
Posted

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

ClareC

Posted
Posted

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

Tony.London Suburbs

Posted
Posted

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

AllforNun

Posted
Posted
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.
Sandperson

Sandperson

Posted
  • Author
Posted
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!

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