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Interesting visit from the police
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Those are all possibilities, and unnerving ones to boot. I don't doubt the law are investigating - they did say there were a few similar cars on the list.
The car was supplied and is serviced by our local Audi dealership, so there's potential there, I guess that depends on what other cars were on the list.0 -
Best plan is to hang the keys off a hook in the hall, with a big glow in the dark sign that says "AUDI KEYS". Put the garage door key on the same ring. That way, they can be in and out of the house with minimum fuss.
The last thing you want is to be woken up by 3 blokes in hoodies with baseball bats demanding the keys. If they have come for the car, they are taking it with them.
As long as they force entry to the house to get the keys, the insurance have to pay out.I want to go back to The Olden Days, when every single thing that I can think of was better.....
(except air quality and Medical Science
)0 -
Best plan is to hang the keys off a hook in the hall, with a big glow in the dark sign that says "AUDI KEYS". Put the garage door key on the same ring. That way, they can be in and out of the house with minimum fuss.
The last thing you want is to be woken up by 3 blokes in hoodies with baseball bats demanding the keys. If they have come for the car, they are taking it with them.
As long as they force entry to the house to get the keys, the insurance have to pay out.
The car insurance would still have to pay out if the keys were fished through the letter box.0 -
The car insurance would still have to pay out if the keys were fished through the letter box.
That is rather an urban myth, most burglars get in through open windows and unlocked doors rather than construct some apparatus to see where the keys are and then pick them up like a scene from mission impossible.;)I want to go back to The Olden Days, when every single thing that I can think of was better.....
(except air quality and Medical Science)0 -
If there is no evidence that the keys were stolen (and unless the thieves are caught on cctv doing the fishing), would the insurance company pay out?
If you look at your motor policy it will advise it covers theft of the vehicle. It will then list any exclusions to this cover.
I would be surprised if yours says that it excludes theft where there is no sign of a break in or force. Even more surprised if it says it must be caught on CCTV.
It will contain exclusions such as keys in car and more often these days deception0 -
If you look at your motor policy it will advise it covers theft of the vehicle. It will then list any exclusions to this cover.
I would be surprised if yours says that it excludes theft where there is no sign of a break in or force. Even more surprised if it says it must be caught on CCTV.
It will contain exclusions such as keys in car and more often these days deception
I'm not worried about my own vehicle - if someone was so desperate that they took my old car, I'd feel sorry for them!
It's just a query out of interest - if there's no evidence of a break-in to explain the theft of the keys, how do the insurers know it isn't a case of fraud?
A friend had to fight to get his insurers to pay out when stuff was stolen from inside his new house because there wasn't any evidence of forced entry. The thief turned out to be a friend of the previous owners who had a key. Friend hadn't changed the locks because he hadn't moved in but replacing the missing tools and pipework that was stolen added up.0 -
I'm not worried about my own vehicle - if someone was so desperate that they took my old car, I'd feel sorry for them!
It's just a query out of interest - if there's no evidence of a break-in to explain the theft of the keys, how do the insurers know it isn't a case of fraud?
A friend had to fight to get his insurers to pay out when stuff was stolen from inside his new house because there wasn't any evidence of forced entry. The thief turned out to be a friend of the previous owners who had a key. Friend hadn't changed the locks because he hadn't moved in but replacing the missing tools and pipework that was stolen added up.
But he got paid out because the policy would not have excluded theft by friend of a previous owner having a key.
The policy covers theft unless it specifically excludes something.
There may be a general exclusion of "Reasonable Care" here's an explanation from the Ombudsman.
"firms may try to reject claims on the basis that the policyholders were in breach of the policy condition that requires them to take "reasonable care". But in order to establish this, firms need to show that the policyholders were "reckless" – in other words, that they recognised the risk but deliberately "courted" it."
"People "court" risk if they either take no measures at all, or take measures that they know will not be adequate to avert the risk. This is the test of "recklessness" as set out in the leading legal case on conditions regarding "reasonable care": Sofi v Prudential Assurance (reported in 1993 in Volume 2 of the Lloyd's Law Reports at page 559)."
http://www.financial-ombudsman.org.uk/publications/ombudsman-news/37/keys-in-car-cont.htm
So assuming your friend did not act "Recklessly" with his keys and there was no exclusion in the policy that would apply to the circumstances of their claim then the Insurer must pay the claim0 -
That is rather an urban myth, most burglars get in through open windows and unlocked doors rather than construct some apparatus to see where the keys are and then pick them up like a scene from mission impossible.;)
Having your keys stolen via fishing and it being covered by car insurance is not an urban myth, it's a fact that it would be covered in the vast vast majority of cases.
It's possible for your keys to be stolen by a thief gaining entrance through an open window or unlocked door. See my earlier post about "Reasonable Care" / "Reckless".
Does your motor policy contain an exclusion for theft if you have left your (Home) window open or door unlocked?0 -
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