Insurance Claim

nhoj90

Hi

I've recently had my bicycle stolen, I have it insured with a cycle insurance specialist. The policy says that any claim would only be valid if the bike is secured with a lock that they approve of

When the bike was stolen it was using a lighter lock which they won't appove of, if I lie about what lock was used am I potentially going to end up in legal trouble? Or would they not go to these lengths?

The police have told me they have no CCTV evidence of the incident so i don't see how they would know what sort of lock it had on it

Any advice is much appreciated

gordikin

nhoj90 wrote: »

Hi

I've recently had my bicycle stolen, I have it insured with a cycle insurance specialist. The policy says that any claim would only be valid if the bike is secured with a lock that they approve of

When the bike was stolen it was using a lighter lock which they won't appove of, if I lie about what lock was used am I potentially going to end up in legal trouble? Or would they not go to these lengths?

The police have told me they have no CCTV evidence of the incident so i don't see how they would know what sort of lock it had on it

Any advice is much appreciated

Are you happy committing fraud?

mattymoo

So you bought an insurance policy but then skimped on the price of the lock knowing full well the insurers would not pay out if the bike was stolen. Bit of a worthless piece of paper then wasn't it.

You basically seem to be asking us - is it okay to lie and commit insurance fraud? Do you really expect people to say yes, go right ahead?

nhoj90

Cheers for the advice

I didn't skimp on the lock, i just didn't have it with me at the time so i used a less good lighter lock that i could carry in my pocket. It was pretty stupid of me i admit but hey I was in a rush...

You've answered my question so cheers for that, no more advice necessary...

dacouch

If you get caught there is a good chance you could be prosecuted for defrauding the Insurers and you will find they will through the claim out and cancel your policy. It would then be very very difficult for you to obtain any type of Insurance including car and home ever again.

Your Insurance Policy which is in effect a contract with requirements from you eg use the correct lock and from your Insurers to pay out if your claim is valid. You have not kept yourside of the contract so cannot claim unless you lie and in effect defraud the Insurers.

The people who reply to you on this thread generally work in the Insurance industry so are not likely to advise you to commit fraud