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Contents insurance cover and scam 'theft'
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FataVerde
Posts: 268 Forumite

I was scammed yesterday by a guy who came while I was talking to somebody in front of my house to say he could take the renovation rubble for a small fee as he was already clearing for another client. He started removing my bags but basically just put them in a pile across the street and left with the cash to supposedly bring his van. In retrospect, all the alarm bells were there, but I was in a hurry and stressed and tired and I had just talked to a removals company over the phone to cancel a collection so I assumed they failed and sent this guy. Either way, I'm not going to claim on this because I just started the home insurance, but I wonder 1. would the lost cash be covered in this situation when I handed out my money in the front garden of my house, which I believe is shared with my neighbour? and 2. would this incident make my home insurance go up? I reported it to the police. Thanks
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Most policies will exclude theft by deception (sometimes with a wording which means they will cover theft if deception is only used to gain access to the property) so it's very unlikely it will be covered.1
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FataVerde said:I was scammed yesterday by a guy who came while I was talking to somebody in front of my house to say he could take the renovation rubble for a small fee as he was already clearing for another client. He started removing my bags but basically just put them in a pile across the street and left with the cash to supposedly bring his van. In retrospect, all the alarm bells were there, but I was in a hurry and stressed and tired and I had just talked to a removals company over the phone to cancel a collection so I assumed they failed and sent this guy. Either way, I'm not going to claim on this because I just started the home insurance, but I wonder 1. would the lost cash be covered in this situation when I handed out my money in the front garden of my house, which I believe is shared with my neighbour? andFataVerde said:2. would this incident make my home insurance go up?FataVerde said:I reported it to the police. Thanks1
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Thank you, both! I found the exact wording which I vaguely remembered from when I read the documents.
Sadly, yes, I know nothing will happen with the police report. I reported his phone number because I got it and I spoke to him on that number. I would have thought that can identify someone but probably not. Lesson learned.0 -
I'm sorry if I'm not understanding but what would you propose to claim through the contents insurance - theft of the bags of rubble? theft of the money (that you handed over)? You were swindled, not burgled.:heartpuls Mrs Marleyboy :heartpuls
MSE: many of the benefits of a helpful family, without disadvantages like having to compete for the tv remoteProud Parents to an Aut-some son
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Tigsteroonie said:I'm sorry if I'm not understanding but what would you propose to claim through the contents insurance - theft of the bags of rubble? theft of the money (that you handed over)? You were swindled, not burgled.1
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You should also have checked that he had a waste carriers licence as you have a responsibility to ensure the waste is properly disposed of.
You could potentially be held liable for fly tipping.0 -
FataVerde said:
I reported his phone number because I got it and I spoke to him on that number. I would have thought that can identify someone but probably not. Lesson learned.
Gone are the days where you could almost physically follow the cable.0 -
If the rubble is still 'in the street' you need to get it back onto your property or, as mentioned by chrisw, you could be done for fly tipping.
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Sandtree said:FataVerde said:
I reported his phone number because I got it and I spoke to him on that number. I would have thought that can identify someone but probably not. Lesson learned.
Gone are the days where you could almost physically follow the cable.0 -
I can't actually believe the OP asked if this would be covered by insurance and had bothered to check his documents .
Two words spring to mind.....
naive and gullible .0
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