Claim back contents insurance excess

C-ABC

Hi, apologies if this thread is elsewhere, im new :A

My flat was burgled a couple of weeks ago and i am in the process of claiming on my contents insurance.

I have found out today from the police that a man has be caught and has admitted to robbing my flat, and is going BACK to prison.

A friend has said that i can claim back my excess (which is £250!) because the offender has been caught, is this true? Any info would be much appriciated as i have never made a claim before!

Thank you!

castle96

claim back the excess from who ? Him ? The Insurance Coy ?
No sorry, the excess will stand

StuC75

normally would be classed as uninsured losses - what legal protection normally chases for when a 3rd party responsible in motor claims..

Do you think there would be much chance of success and actually getting paid; or how the thief might respond to your action (.. when back out on the streets)..

rs65

Your chance of a successful claim against him would be good if the criminal case is successful.

The chances of actually getting cash back from him are slim I would think.

InsideInsurance

Would argue that a "successful claim" actually means you get your money back not just that the other party is found liable for it.

The theory is absolutely true, you could sue him for the money. You will almost certainly be throwing good money after bad though as serial convicts doing petty burglaries don't tend to be the most flush with cash and if litigation were to happen then it should include both your excess and your insurers outlay

Quentin

InsideInsurance wrote: »

..... if litigation were to happen then it should include both your excess and your insurers outlay

Why?

It just puts up the claimants costs - and all the OP wants back is his uninsured loss!

It's up to the insurer to pursue their outlay!

InsideInsurance

Because if the insurers outlay isnt recovered then they have a fault claim against their record which will probably in the 3-5 years it must be declared cost more than the excess has. Given it is one incident with just two parties there can only be one piece of litigation as the insurer can only litigate in the name of their client

Ch1ckenlady

Could the insurer apply for a Restitution Order (and include the excess)?

dacouch

Try speaking to the police officer handling the case, for criminals especially prolific ones, they love to pile extra evidence into the case. They may be able to add your excess into the court case as compensation.

However if they do this, expect the thieve to pay it back at circa £1 a week and your Insurers won't normally accept this as proof of recovery until you receive the last payment