Car Stolen - front door was unlocked

geeba88

Hi - My last car was stolen last night, we were burgled after inadvertently leaving the front door unlocked (no judgemental comments please, couldn't feel any worse than I do at present).

Whether the car is recovered or not remains to be seen, i'm concerned though that the front door being unlocked will affect any claims I may need to make.

Has anybody else endured a similar situation? Any advice gratefully received

dacouch

What were the circumstances of the door being unlocked eg were you sat watching the tv in another room, gone to bed or were you away from the home

huckster

I can't see leaving your house door unlocked accidently will have any affect on a Car Insurance claim.

You need to report to the Car Insurers, exactly what you have told the Police and just follow the Insurers process.

In regard to the Home Insurance, this may be more of a problem. If you did not lock the door before you retired for the night, the Insurers could say that you did not comply with the conditions of your policy. This could be that you did not take reasonable precautions to prevent any loss i.e. checking doors were locked before you went to bed and if there is a specific security requirement for locks to be applied, this will also be raised.

Best to submit the claims with full accurate information and post back if you have any problems. There are many posters to this site with experience who will guide you, as to what you can do.

UnderPressure

I am really sorry to hear about this, what a nightmare, as has already been said the only thing you ca really do is throw yourself on the mercy of the insurers, I cant see a problem with the motor insurer, the home insurer may be different see what happens I am sure it will work itself out for you.

SO far as leaving the door unlocked, I did this myself many years ago with a patio door, woke up at 5am after hearing it open and the dog barking sprung out of bed to find some scrote stood in my living room he seen me and legged it, I was not as fast as the dog the funniest thing I have ever seen as he was trying to jump over the drive gates with my german shep hanging off his ar*e

Since then I have a bot of OCD when it comes to nightly routine before going to bed, I check everything now twice otherwise I cant sleep lol, the most ironic part is where we live now is in the middle of nowhere in Wales crime here is literally non existant but still every night a full tour of the house checking all doors and windows.................

Best of luck chin up it is a terrible thing to happen learn from it is about all you can do

RichBen

I agree that the motor insurers should be OK and your home insurers should also be OK given you were in the house. Dont try and hide the fact from them.
Good luck.

PNPSUKNET

I have read a while back of people havign their keys fished,it was a motorbility car and they refussed to pay out as care of the keys had not been taken. Where were the keys left?

dunstonh

dacouch wrote: »

What were the circumstances of the door being unlocked eg were you sat watching the tv in another room, gone to bed or were you away from the home

This is the important question. please answer this one as it will be key to the outcome.

geeba88

Thanks v much for the helpful advice

The keys were left in the living room, hopefully no issue re the key fishing The burglary occurred at some point through the night.

As has been said, we're at the mercy of the insurers, we've never claimed before, i'll play it straight down the line and pray that they don't do us over too!

geeba88

dunstonh wrote: »

This is the important question. please answer this one as it will be key to the outcome.

As alluded to above, the door was inadvertently left unlocked before we all turned in for the night

NeverInDebt

Not being judgemental mental but even leaving keys in door or close to door doesnt stop thieves getting in. Now my daughters boyfriend with her with him got in other week as she was locked out, by using bamboo cane to lift key off a shelf in hallway, lesson learnt. I always lock door when I am out in back garden or at night but even that still has some risk from thieves when I am in and its unlocked during day

Loanranger

This happened to someone I know. They left their back door unlocked overnight and the burglar got away with the car.
Therefore no evidence of forced entry.
He told the police that he MIGHT have forgotten to lock the door ...
Police may have not noted that point and not sure what he told the car insurance company but his car insurance company paid up.