Advice pl. Keys stolen from unlocked house. Car on rd outside boundary stolen. Contents of car too

lazydave

Update. Managed to find proof of purchase for pretty much all my gear, and where I haven’t I should have a bank statement that covers the transaction. The loss adjuster has brought forward my interview to this Friday so I’ll keep you all posted. I have no idea how long it takes post interview but as I expect a battle I guess a while. I got quoted for replacement cat keys in the meantime and that’s a pretty £800

lazydave

Hi all.  I could do with some more advice on this if that's OK?  My car insurance covers me for £500 of valuables in the car.  Should I be informing them that I wish to add that to my claim and then dropping my house claim by £500?  It would get quite complicated as I am not sure the car is new for old, but obviously I don't want to miss out on being able to claim something from either policy?  I also want to avoid double dipping on the £500 and play this with a straight bat.  Any thoughts on what I should do?  I haven't informed the car people of the contents yet, and they are full steam ahead writing off my car (despite not having valued it?! - I will start another thread on that), so I think I need to shout soon or maybe miss the boat.  All help is HUGELY APPRECIATED, thank you

DullGreyGuy

Both insurers should be made aware of the coverage provided by the other policy. The insurers will agree between themselves how this should be settled depending on the relevant terms of each policy on other insurance.

Often Car insurance is only on an indemnity basis whereas Home is normally on a new for old basis and so typically  you'd get a higher settlement for the same items from the Home insurer. 

lazydave

DullGreyGuy said:

Both insurers should be made aware of the coverage provided by the other policy. The insurers will agree between themselves how this should be settled depending on the relevant terms of each policy on other insurance.

Often Car insurance is only on an indemnity basis whereas Home is normally on a new for old basis and so typically  you'd get a higher settlement for the same items from the Home insurer. 

Thanks for swift response DullGreyGuy.  I'll make them both aware.  

lazydave

I just double checked my policy and it's £300.  It also states this:

What’s covered

If you have comprehensive cover and you're making a claim under sections 1 or 2 of this Policy, your Insurer will pay up to £300 for any one claim for personal belongings in your Car, to you or the owner of the items.

What’s not covered under section 7:

Money, stamps, jewellery, watches, tickets, credit or debit cards, vouchers, documents or securities (such as share and premium bond certificates)

Laptops, mobile phones, tablet computers or electronic navigational equipment

Goods, samples or tools carried in connection with any trade or business

Property insured under any other insurance policy

Theft or attempted theft of personal belongings not kept out of sight in the glove

compartment or locked boot

Theft or attempted theft if the Car was left unlocked while unoccupied or unattended

Anything excluded by the general exceptions listed later in this document.

So I guess that I am not covered?  I will make them aware anyway in case the home insurance company won't play ball

DullGreyGuy

lazydave said:

So I guess that I am not covered?  I will make them aware anyway in case the home insurance company won't play ball

Now look at your home insurance and see what it says... it may have a similar no cover if insured elsewhere or it may be mute on the matter. If its silent then Home alone has to pick it up... if both say they exclude things insured elsewhere they have a conversation and agree an approach (you dont end up with nothing because of the two saying theirs doesnt cover)

lazydave

Hi all. I have another question on this (as you may tell this is costing me sleep now!)

I am meeting the loss adjuster by Teams on Friday. I have sent a detailed list of the items taken and managed to track down at least a bank transaction for everything. 

Everything I have read makes me nervous about this as it seems their job is to trick me into saying something they can use to undermine my claim. They have asked to record the meeting. Should I allow this or just ask for written notes we both agree later?

Thanks

MorningcoffeeIV

Recording the meeting gives a better record.

They're not here to trick you, unless you're planning on lying, but that doesn't seem to be your intention from what you've said.

lazydave

MorningcoffeeIV said:

Recording the meeting gives a better record.

They're not here to trick you, unless you're planning on lying, but that doesn't seem to be your intention from what you've said.

Thanks. My intention is to be honest with all this. 

Lots of ‘advice’ I have found paints quite a negative picture of loss adjusters and recommends not being recorded, although a lot of that has come from loss assessor sites who are looking for your business to fight your corner so it’s hard to see the best way forward 

DullGreyGuy

lazydave said:

Hi all. I have another question on this (as you may tell this is costing me sleep now!)

I am meeting the loss adjuster by Teams on Friday. I have sent a detailed list of the items taken and managed to track down at least a bank transaction for everything. 

Everything I have read makes me nervous about this as it seems their job is to trick me into saying something they can use to undermine my claim. They have asked to record the meeting. Should I allow this or just ask for written notes we both agree later?

Thanks

They're not there to trick you, a relatively small part of their job is to identify fraudsters and there are certain ways to ask questions which often causes fraudsters to trip over themselves... if you are an honest claimant you can answer questions and are comfortable saying you dont know if you dont.