CLAiming on insurance after burglary

emstkase

Hi all, im looking for some advice. I was burgled a couple of weeks ago and Am about to claim through my home insurance but unsure of how to go about it.

It was all gold and diamond jewellery that was taken. Most of it is antique.I have no valuations, receipts or photos. How can I estimate the value and will the insurance company take it seriously?

I’m also concerned that my premium will increase as a result of claiming. I’ve never made a claim before.

I have a police crime ref number.

Any advice appreciated.

Thanks

Blibble

Some policies will only provide cover if receipts / invoices / photos / valuations can be provided, others will pay out a percentage if none of the above substantiation can be located, and others still won't pay out unless the valuables were in a locked safe etc.

The only advice is to read your policy booklet before notifying your insurer. The only (nearly) sure thing is your premiums will increase at renewal once you notify them, whether you claim successfully or not.

Tammer

I'm sorry to hear your news. This must have been upsetting.

In terms of insurance, your insurance policy may well say that if you have a burglary (or other reason to claim) you must tell the insurer as soon as possible.

If you decide not to tell your insurer, it is possible they may know about the burglary anyway, and you would only find this out in the future when trying to claim for something else - only for it to be rejected for not having disclosed the current incident. This is a little bit 'worst case scenario' of course but it is a risk you do not have to take.

lisyloo

Was the jewellery ever worn. Just wondering if it might be in any casual photos.

If not then you can see your insurers problem if there is no evidence at all of what you had.