I do need to inform insurance company about a break in?

jd82

My head gasket has gone and need a new car (going to try and get one on scrappage but it may be too late as my car dosn't qualify until the 26th as I won't have owned it for a year until then).

The problem is I have had two break ins.

In December I had an accident (slipped on ice) and my car was unlocked as a result. I was ina lot of pain that week due to my broken elblow and a when I finally managed to get out the house (it was snowing badly etc) I had noticed my car had been broken into and there the entire glove box empties on the passanger seat.

I thought my sat nav had been knicked and informed my insurance company to be ont he save side, a few weeks later I found my sat nav in the house (it fell of a shelf)

A two months later car locked this time but not being used due to head gasket failure I get broken into again this time a window smashed but again nothing taken. I claimed on the insurance and it cost me £75 excess.

I realise when looking for new insurance quotes I have to tell the insurance company about the second incident but I do need to tell them about the first incident since there was no damage and nothign was taken? (even though insurance company think my sat nav was knicked).

What should I do?

ScottishSapper

If you did not claim for the SatNav why tell them in the first place?
Because you informed them then you need to declare it.

I would have thought that the second one, as it was glass only, then you would not have to declare it Unless you told them it was a break in!

Both these incidents will more than likely bump up your insurance as you now live in a high risk area!

Kilty_2

ScottishSapper wrote: »

Both these incidents will more than likely bump up your insurance as you now live in a high risk area!

Interesting - how quickly would such incidents begin to affect other people in the same area?

I know there are postcode gradings and such like so I assume these would be affected by a higher than usual amount of claims.

jd82

Told them because the police knew about it so I was worried the insurance could find out via the police.

The second one I do have to declare (there is a place for it) but the first time nothing really happened, it was an attempt to steal my sat nav which I sensible didn't have in the car. I wasn't well at the time (on drugged up pain killers and was unable to drive) the main reason I phoned them was to ask if there was any way they could reduce my premiums while I wasn't driving.

Hintza

Kilty wrote: »

Interesting - how quickly would such incidents begin to affect other people in the same area?

I just had to insure a new vehicle and got thumped with an additional £65 for 5 months remaining. £25 of which the inevitable admin charge.

When I queried why it was more (slightly smaller/cheaper car of same make). She came up with a load ofwaffle that they might be more susceptible to breakins.

We are talkking a Jeep here !!!!!!

Tell the insurer your dog has had puppies and they will put up your car insurance nowdays.

DaveMacD

I reported a break in to my car a few years back. The thieving scum took my sat nav, and my road angel system, and wrecked the passenger door lock to get in. The insurance wanted me to pay my excess (which would have been more than the price of the new door lock) and refused to cover the stolen equipment, so I told them not to bother, since it was a waste of time. Don't think it affected my insurance, but since the insurance never paid anything, that might be why...