Burglary claim - "assessor" visiting

vikinggreen

Thanks Arthurian & meer53. If they ask me to replace jewellery with jewellery I like the idea of buying a single ring that I can wear all the time. I certainly don't want another shed-load of jewellery that can just get nicked all over again.

dacouch

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/92/92-insurance-claims.html

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/10/oct-repair-replace-cash.htm

vikinggreen

dacouch, links saved, and you are a wonder. :T

I am glad that I can discuss with them buying any replacements from a store of my choice if they want to go that route. I was looking at the website of a well-known jeweller yesterday and my heart sank to my boots at the "Gerald Ratner prawn cocktail sandwiches" on offer. I didn't lose many pieces, but what I did lose was much nicer than the rubbish they sell.

dacouch

It's often Goldsmiths they give you vouchers for

vikinggreen

Thank you! You have just done me another favour because while I was looking on their site I remembered another pair of earrings that were nicked.

I will feel a bit more relaxed about it if they push for replacement rather than cash.

vikinggreen

Sorry, me again.

What happens if, after the insurance claim has been sorted out, the Police recover the jewellery?

Unlikely, but who knows?

dacouch

It belongs to the Insurer, however will not fall over themselves over it. They will often offer it to you at a discounted price eg scrap plus a small percentage as it saves them the hassle of collecting it and dealing with it.

Bit late now, but if you photograph your jewellery from lots of angles and then store the pictures away from your home eg hotmail account or friends house. It helps the Insurers but also helps the police, if they find the items it may be the other side of the country. It increases the chance of them reuniting it with you but also helps them secure a conviction as otherwise the thief may be able to get away with saying it was theirs

vikinggreen

Thanks again dacouch.

Bit late now, but if you photograph your jewellery from lots of angles and then store the pictures away from your home eg hotmail account or friends house. It helps the Insurers but also helps the police, if they find the items it may be the other side of the country. It increases the chance of them reuniting it with you but also helps them secure a conviction

Oh, I know, I know. One of those things that you always mean to get around to and it never quite gets done because life gets in the way. I will be taking photos around the house of all our remaining valuables, and also doing my mum's stuff for her.

as otherwise the thief may be able to get away with saying it was theirs

:rotfl:at the idea of some huge villain trying to convince the Police that the necklace reading "Hermione" (not my real name, but not dissimilar) is his!

dacouch

vikinggreen wrote: »

Thanks again dacouch.

:rotfl:at the idea of some huge villain trying to convince the Police that the necklace reading "Hermione" (not my real name, but not dissimilar) is his!

The thing is, unless the police have evidence otherwise eg they can link it to a crime then the thief will normally get away with it even with a Hermione necklace.

vikinggreen

Just to wrap this thread up, the assessor was really lovely. It was more like a chat with a friend than any sort of interrogation and she accepted the claim without any quibbles. She also made some very helpful suggestions along the way.

Thank you all for reassuring me. :T