Home Theft through small open window - Void Insurance?

mimideemee

To cut a long story short, I was unfortunately burgled at home whilst I was upstairs during the night.

I had a small window in the living room left unattended (it's about big enough to fit a head through) but through this the thief used a tool to leverage & pull open the handle of the main window as it was not within arms reach. Anyway, they used this main window to get in and out of my property with my belongings. The blinds are always closed in this room as to not draw attention to any valuables and I always leave the landing light on at nights too.

With the situation that I've described above, do I have any chance of the insurance paying out to cover my stolen items? Of or should I just prepare myself for the worst?

Thanks so much.

paddedjohn

I would have though that the fact you were home at the time goes in your favour, after all windows are meant to be opened sometimes.

TSx

This will depend entirely on what the policy wording says - and if you have any security endorsements on your policy.

Who is the policy with? You will need to check your policy schedule to see if there is any mention of minimum security requirements

mimideemee

Thanks so much for both your responses.

The terms and conditions just mentions that the homeowner must take reasonable precautions and steps to avoid loss/damage and safeguard property.

I suppose it's open to interpretation?


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TSx

mimideemee wrote: »

Thanks so much for both your responses.

The terms and conditions just mentions that the homeowner must take reasonable precautions and steps to avoid loss/damage and safeguard property.

I suppose it's open to interpretation?


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In this weather, I'd imagine they'd find it difficult to decline a claim on those grounds. The FOS (the financial ombudsman) rarely support declining a claim on the grounds of unreasonable care, unless it is so unreasonable as to be considered reckless.

The worst that can happen if you make a claim is that they say no anyway (in which case you have a route to complain, but I'd find it very unlikely!)