Contents Insurance - No Break In

redimp

My DSLR and associated equipment has disappeared from inside my house. The only way it can have gone is via a visitor. Will this be covered by my contents insurance?

McKneff

You need to look in the terms and condiion before ringing the ins.co.

Was it worth a lot, worth more than the excess of your policy.

Ring the insurance company as a last resort,

InsideInsurance

As long as you just live with family then normally you will be covered (but some ultra budget ones wont) but you have to report it to the police etc.

If you have friends or lodgers etc or a budget policy then often there must either be signs of forced entry or violence against the person to gain entry

redimp

Exceeds to excess by about £500 and unforunately I do have someone staying with me at the moment dog sitting as I am away quite a bit.

InsideInsurance

Ultimately, read the terms of your policy and it will state under the Theft section what the exclusions are (such as cases where no sign of entry)

_Andy_

redimp wrote: »

My DSLR and associated equipment has disappeared from inside my house. The only way it can have gone is via a visitor. Will this be covered by my contents insurance?

Have you rung your insurer and asked?

McKneff

What has the person you have staying with you have to say.

Have they had any visitors staying over.

And also, of course, have you notified the police of the theft.

redimp

My policy just says theft or attempted theft and does not seem to mention method of entry at all. The person staying with me has not admitted anything but is making himself scarce at the moment and he has had three visitors he 'trusts' when I have not been there. I have had none except my children and my girlfriend.

I think I have resolved to report it and to try and claim.

InsideInsurance

Who is the policy with? If you bought through a broker then who is the broker as well as the insurer?

redimp

It's Kwik Fit Insurance.