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LV student theft claim rejected

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Comments

  • DullGreyGuy
    DullGreyGuy Posts: 14,126 Forumite
    10,000 Posts Second Anniversary Name Dropper
    cw8825 said:
    what was he meant to do, security vet each housemate
    Assuming they are joint tenants, to a degree yes... after all if their new mate chooses not to pay their rent then he'll be liable for it, if they like partying at home until 5am the morning before exams then that will impact them, if they have sticky fingers and "borrow" stuff from the other flat mates that will impact him. 
  • k12479
    k12479 Posts: 768 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    cw8825 said:
    k12479 said:
    My son lives in a shared uni house...the house was secured when he left and he can't be held responsible for someone else leaving it unlocked.
    Sorry, but he does bear some responsibility. He chose the people to live with.
    fairly cynical thought

    what was he meant to do, security vet each housemate
    Not cynical at all, realistic.

    How well & how long did he know the people? Are they sensible & responsible or chaotic & irresponsible?

    We have to make judgements like that all the time. Some people make poor, impulsive choices, some are cautious, sometimes we get it wrong and learn a lesson. Why should other customers bear the consequences through higher premiums?
  • Austinhead
    Austinhead Posts: 176 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Thanks for the comments. He has a lock available on his door and didn't use it. Him and his housemates have certainly learnt a lesson here, but I do think it's entirely unrealistic to keep all the doors locked at all times especially when there are people in the house using the kitchen area and generally moving around the house. Please remember it wasnt a housemate or anyone that a housemate invited in that was the offender.
    There is definitely nothing in the policy regarding keeping room doors locked, all it says is that theft is only covered where forceful entry is used.
    Regarding the claim, his PS5 is £450 to replace. He does wear quite expensive clothes (which he was able to buy himself when working prior to uni) for example 1 t-shirt cost £45. The excess is £150 so I felt it was worth making the claim.
  • dunstonh
    dunstonh Posts: 118,020 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    but I do think it's entirely unrealistic to keep all the doors locked at all times especially when there are people in the house using the kitchen area and generally moving around the house.
    I think it is unrealistic to believe you would be insured if you leave your doors open.   All he had to do was lock his door.

    Student accommodation is high risk for theft.  Leaving your door unlocked is crazy.  Its an open invite to take items.

    Please remember it wasnt a housemate or anyone that a housemate invited in that was the offender.
    And with open doors, it could be anyone.    

    There is definitely nothing in the policy regarding keeping room doors locked, all it says is that theft is only covered where forceful entry is used.
    Which would indicate that it is required to keep doors locked.  An unlocked door wouldn't require forceful entry.

    Regarding the claim, his PS5 is £450 to replace. He does wear quite expensive clothes (which he was able to buy himself when working prior to uni) for example 1 t-shirt cost £45. The excess is £150 so I felt it was worth making the claim.
    Clothes are not new for old.   It is rarely worth claiming on insurance for normal clothing.   The PS5 is the main hit here.





    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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