Proof of ownership

jach222

I was recently burgled.

Have claimed for a number of items on the policy... I don't own anything worth over £150 tho I did have 2 very old laptops that they are replacing these new for old.

However, I had 3 rings and 2 watches stolen. NONE of these are worth more than £30 when they were bought and I've had the items between 3 and 20years! I was told 'not to worry' about proof of ownership for these items and the perfume that was stolen.

Now the insurance company have changed their tune and they are refusing to pay for the rings, watches and perfumes due to insufficient proof of ownership. I have been in the loft and found pics of me wearing all but one of the watches, but I did remember that I had the case for that watch and was using it as a SatNav case... then I discovered the SatNav was missing

I am really very concerned about how the insurance company are acting. I have sent proof for the rings, etc and asked them to answer how they can reasonably ask someone to offer proof for perfume that I had had for years. IF I owned high value items then I would have photographs but we are talking low end perfume and small inexpensive personal jewelery. They are also not covering some DVD's.

I feel like I am being accused.

The WHOLE claim to replace old with new will come to about £1300.

Couple of questions: Are they being unreasonable to ask for proof on the perfume which were gifts (they don't take sworn statements)?
Am I being accused?

Just a word from the wise IF you do have photographs or receipts for items them DO NOT have them solely on one computer and put your receipts away somewhere. I had receipts stolen from the bedroom where I keep receipts that I need keeping handy for whatever reason. Also keep the boxes and manuals.

msmyth18

Hello,

I had exactly the same thing, i had a laptop which i was brought as a present. I was walking to where the printer was and i dropped it on the kitchen floor which smashed the screen and most the keyboard was damaged too!

They asked for proof of ownership which i didnt have (except the box and all the instructions etc).

When i explained it they then asked me to speak to the person who brought it for me who had died the previous year!

Catch 22!

I ended up just buying a new one and paying a computer shop to removed the hard drive from the mangled one and put the data on the new one!

I understand that people try to claim that they had more burgled that they actually had but when you can provide the actual broken product etc then why would they need proof of ownership?

FlameCloud

To prove that you actually have insurable interest in the item.

msmyth18

FlameCloud wrote: »

To prove that you actually have insurable interest in the item.

And how are you supposed to do that for gifts?

insurancebod

msmyth18 wrote: »

And how are you supposed to do that for gifts?

You ask the buyer to provide the receipt or a copy of the relevant bank/credit card statement.

Alternatively, you send in the box and manual (or other paperwork).

Photos may be acceptable for lower value items or specific named items but are usually rebuffed. Best to ask a claims handler before you send these in.