Car Stolen, spare key lost, insurance won’t oh out

vfalco

When the car was stolen on the Monday it was involved in an accident with a parked car and left somewhere a few hours later.  The police notified us 4 days later on the Thursday that it had been found and gave us the address and told us it would be taken to the local pound.  When they went to collect it it was gone.
we lost the key and didn’t report lost, to be honest because we never thought it would be stolen.  

Sandtree

vfalco said:

we lost the key and didn’t report lost, to be honest because we never thought it would be stolen.  

When and where did you lose it or think you lost if its one of those where it just vanished 9 months ago type scenarios? 

You need to ask your insurers exactly which clause of the policy they are relying on to avoid the claim. It would be useful to see the terms of that clause.

Ultimately whatever it says etc your route is to log a complaint on their decision and escalate to the Financial Ombudsman if you are unhappy with their response or they do not give a response within 8 weeks (whichever is sooner)

lisyloo

When did you lose the key? Were there any circs around it e.g. went missing after party?

do you understand that the insurer sees an unreported lost key as a problem?

How do they know your claim isn’t fraudulent (I don’t think it is just seeing it from their point of view).

vfalco

Of course I see from their point of you.
We think the key was lost during refurbishment at home

vfalco

Which was over 3 years ago

csgohan4

vfalco said:

Which was over 3 years ago

You going to find it difficult for the insurer to not reject the claim, you should have logged the stolen key and at the very least got the car lock changed

vfalco

We are finding it very hard to prove our case.

Sandtree

csgohan4 said:

vfalco said:

Which was over 3 years ago

You going to find it difficult for the insurer to not reject the claim, you should have logged the stolen key and at the very least got the car lock changed

Which insurers are you thinking of? Looking at a few like DL and Aviva there is no direct clause that would state losing keys 3 years before an incident would invalidate theft cover.  Only if the insurer can reasonably prove that the key was used in the theft.