House insurance/car insurance claim

perdusys

Hi

Our house was burgled last week, and my sons car keys and car were taken alongside various electronic equipment.
I have a couple of questions to ask: Sons car insurance only covers him for up to £100 of personal possessions, but he had items in his boot, plus his CD collection, which are worth far more than that. I have personal belongings cover on the house insurance, can we claim on that or is that not possible as he has to claim for a complete loss on the car?
A set of our car keys were also stolen but key cover is only up to £500 and the excess is £100. The cost of replacing and reprograming the locks is over £650 plus VAT, I am assuming that once again we can't cover the shortfall on the house insurance. It is really annoying that one burglary is going to result in the loss of three lots of excess, and no claims bonus.

Also, amongst the laptops which were stolen was a laptop that belonged to a friend, which I don't know will be covered, we were trying to recover some photogrphs for her from a corrupted hard drive.

InsideInsurance

Where are you claiming for the loss of your car keys from? Your Car policy or do you have a standalone key cover?

Home insurance normally covers items which you are responsible for which can include things you own, things loaned to you or things on HP etc. Unless its an ultra budget policy then the friends laptop probably is covered especially if it was being loaned to you rather than you simply looking after it for her.

Assuming your son lives at your address then the items in the car beyond the £100 PP cover should be covered by your home insurance. If he doesnt live with you then it'd be is own home insurance. Some insurers have special terms for kids at uni etc

perdusys

Thanks for that, I wouldn't say from the cost that it's a budget policy but who knows! It's a RSA policy.
I was told we had to claim for the key replacement under that particular car policy, but there's a bit of confusion over whether there is key cover included. It doesn't say so on the original documents, but the company in question say there is as described earlier.
My son lives at home with me, and I suppose you could say we were lent the laptop to print the photos.