Stolen From Garden

VTR1000

Hello from a newbie.

My motorcycle was stolen from my garden a few days ago. Unfortunately, there were a number of higher value items secured in the top box that won't be covered by the bike insurance.

I've asked the question of my home contents insurer if these items are covered by them - the initial response related to theft from a motor vehicle which carries a much lower insurance level. In fact not worth claiming.

My question on here relates to what is the difference between secured in the front garden and in the house - the garden is part of the insured property? I have asked the same question to my contents insurer.

I'm already going to take a big hit on the bike excess and want to minimise the loss.

Thanks in advance

paddyandstumpy

Because (as proven) it's far easier to steal from the open (i.e the garden) than a secured property.

MoneyMate

Sorry to hear about your lost, but welcome to MSE.
Perhaps someone with this type of experience can help you soon on here.

VTR1000

It was locked and secured - what's the difference? Someone had to use power tools to defeat the security

VTR1000

MoneyMate wrote: »

Sorry to hear about your lost, but welcome to MSE.
Perhaps someone with this type of experience can help you soon on here.

Thank you.

Quentin

Whenever you are unhappy with your insurer the route to take is a formal complaint in line with their complaints procedure which will be set out in the policy docs


Then if you are unhappy with the reply or they ignore you for 8 weeks you can escalate to the FOS for their adjudication all at no cost to you

paddyandstumpy

Quentin wrote: »

Whenever you are unhappy with your insurer the route to take is a formal complaint in line with their complaints procedure which will be set out in the policy docs

Then if you are unhappy with the reply or they ignore you for 8 weeks you can escalate to the FOS for their adjudication all at no cost to you

What help will a complaint have in this situation? The OP was presumably happy with the insurers T's & C's when he signed up to the wording and paid for the policy...

The items were stolen from a lock box on a vehicle, therefore they are applying the correct limits.

VTR1000

The question relates to is it theft from a vehicle or property as the terms and outcomes are very different.

The T&C's as I read them are not specific.

Quentin

VTR1000 wrote: »

The question relates to is it theft from a vehicle or property as the terms and outcomes are very different.

The T&C's as I read them are not specific.

This is your grounds for a complaint!

Quentin

paddyandstumpy wrote: »

What help will a complaint have in this situation?.....

It's the only way to get a definitive answer to the issue of confusion over the ts + cs


And the OP will know that they have done what they can to ensure they are being treated fairly


If the complaint + escalation fails, then the OP knows that they then either give up on the claim or take the only other course available to them - ie legal action.


Following the complaint procedure and escalation is always worthwhile when dealing with insurers - there's nothing to lose irrespective of the rights/wrongs, and some insurers are known to make a goodwill gesture to kill off the complaint rather than expend time and money dealing with the FOS

Dangermac

At it's core, a Household Insurance policy includes cover for loss/damage to the house/contents within.

Some policies will provide cover (either as standard, of for a premium) for:

- Items in outbuildings
- Garden Items (i.e furniture, statues etc)
- Items outside of the house
- Items in vehicles

You will need to check the policy wording/schedule to see what cover you exactly have. This may influence whether you need to, or wish to, make a complaint.

There is usually a different between items within the home, and items outside of the home.

Depending on the value of the items stolen / policy excess will depend on whether it's worthwhile pursuing this claim.

Good luck

DM