Can i claim from third party ???

lak_2

Hello everyone

i was wondering if anyone has any advice on this situation or has anyone been in a simailer situation to this, i will try to keep it short.
On the 22/08/2012 at around 2am, i was woken by my dogs barking so i went downstairs to see what they were barking at, when i got downstairs i noticed my front door was wide open, i checked around the house nothing had been taken or disturbed, so i just locked my front door and went back to bed, 15 minutes later my dogs started to bark again so i went down stairs to check again and seen the back end of my car being driven away off my drive, i ran back upstairs to get door keys, unlocked my front door and then noticed that the van had been moved back, it was at this point i realised that they had been in the van and got my work bag which had my laptop some work clothes and the keys to my house, my car and my flat, and that was how they got in my house with my keys, i called the police at 2.15am
The police came round instantly and took a statement off me and my partner and the crime scene investigation came round at about 10.30 am and dusted the van for finger prints.
The van was locked as i always lock any vehicle whether it be mine or anyone elses and always double check it before i go to bed, i always have done, it seems that the reason they managed to get into the van was down to the locking system on the van, the slightest movement at that time would dis arm the locks, before this incident the van had been to CITROEN to have the locking issue sorted and it was supposed to have been rectified, but it turns out it wasnt, i then took the van back to CITROEN on the 25/09/2012 and finally the issue was rectified

The van is a 2012 van its only 5 months old

I also had to pay the excess on the insurance so again i was out of pocket

Now my insurance and also the comapany i work for their insurance are both saying i should chase up Citroen for my laptop, new door locks that i have replaced and the excess for my insurance.

Where do i stand on this

Quentin

Worth a try.

Though if your insurer is advising this, why haven't they been pursuing them?

hugoshavez

lak wrote: »

Hello everyone

i was wondering if anyone has any advice on this situation or has anyone been in a simailer situation to this, i will try to keep it short.
On the 22/08/2012 at around 2am, i was woken by my dogs barking so i went downstairs to see what they were barking at, when i got downstairs i noticed my front door was wide open, i checked around the house nothing had been taken or disturbed, so i just locked my front door and went back to bed, 15 minutes later my dogs started to bark again so i went down stairs to check again and seen the back end of my car being driven away off my drive, i ran back upstairs to get door keys, unlocked my front door and then noticed that the van had been moved back, it was at this point i realised that they had been in the van and got my work bag which had my laptop some work clothes and the keys to my house, my car and my flat, and that was how they got in my house with my keys, i called the police at 2.15am
The police came round instantly and took a statement off me and my partner and the crime scene investigation came round at about 10.30 am and dusted the van for finger prints.
The van was locked as i always lock any vehicle whether it be mine or anyone elses and always double check it before i go to bed, i always have done, it seems that the reason they managed to get into the van was down to the locking system on the van, the slightest movement at that time would dis arm the locks, before this incident the van had been to CITROEN to have the locking issue sorted and it was supposed to have been rectified, but it turns out it wasnt, i then took the van back to CITROEN on the 25/09/2012 and finally the issue was rectified

The van is a 2012 van its only 5 months old

I also had to pay the excess on the insurance so again i was out of pocket

Now my insurance and also the comapany i work for their insurance are both saying i should chase up Citroen for my laptop, new door locks that i have replaced and the excess for my insurance.

Where do i stand on this

Seems a long shot, can't think of anything remotely resembling a precedent. If you have legal expenses on the motor policy, maybe worth a call to them.

lak wrote: »

the slightest movement at that time would dis arm the locks, before this incident the van had been to CITROEN to have the locking issue sorted and it was supposed to have been rectified, but it turns out it wasnt

If you have rock solid evidence this was the case...?

dalesrider

lak wrote: »

I also had to pay the excess on the insurance so again i was out of pocket

Now my insurance and also the comapany i work for their insurance are both saying i should chase up Citroen for my laptop, new door locks that i have replaced and the excess for my insurance.

Where do i stand on this

I would have thought that if the ins paid out and they thought that THEY could off load the loss/put the blame on Citreon. They would be chasing them all the way

lak_2

no issues with the locks since it went back in the second time, i took it back to them and they said they would have to take the day to investigate it as they hadnt sorted it properly the first time, both insurers are pursuing it one for the laptop and my own insurance for the repairs to my car, would i be better getting my insurance to chase it up on my behalf or me doing it my self

lak_2

i am also out of pocket for excess and replacement door locks, so who should i be pursuing for that

Quentin

You do need to chase uninsured losses yourself.

Does your policy include any "legal cover"?

If so make use of this.

forgotmyname

They could argue that why would you leave expensive items in a van that doesnt lock properly.

I would never leave house keys in a vehicle parked outside.

Lucky for the dogs, They could have had the car, van and the entire ground floor contents.

hugoshavez

Quentin wrote: »

You do need to chase uninsured losses yourself.

Does your policy include any "legal cover"?

If so make use of this.

You need to send details of your losses to the TP in a letter of claim.

Send a copy to your motor ineurer's recovery department, asking them to keep you updated on liability negotitations.

If they issue proceedings against the TP, they will have to include your uninsured losses.

If they gain an admission of liability, it should be straightforward for you to claim these back.

If your motor insurers give up, it's probably the end of the road.

dalesrider

forgotmyname wrote: »

They could argue that why would you leave expensive items in a van that doesnt lock properly.

I would never leave house keys in a vehicle parked outside.
.

I would agree with this.

You knew that there had been a issue with the van. Just how much did you have to move it to get the locks to spring?
As i would have been trying to prove it didn't do it after the repair.
Is this a common known fault?

I guess in someways you are lucky that they have paid out.

lak_2

You knew that there had been a issue with the van. Just how much did you have to move it to get the locks to spring?

i never usually leave anything in the van, and you would assume that if its been to the dealership and they have told us its sorted then it would be