Got burgeled last night...insurance advice needed - HotUKDeals
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Got burgeled last night...insurance advice needed

Warrenmole2004 Avatar
8y, 4m agoPosted 8 years, 4 months ago
Got burgeled last night.

They took money, watches, mobile, laptop, psp etc.

But the thing is that the police say the door must of been unlocked, but I was pretty sure it was locked.

I have contents insurance, but will they actually pay out if the door was unlocked?

Thanks in advance

p.s. We were in the house when the burglary happened.
Warrenmole2004 Avatar
8y, 4m agoPosted 8 years, 4 months ago
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banned#1
Thankfully, you are still here to tell the tale.

Check and then double check in the future.
#2
How long have you lived there?
#3
harlzter;2662441
How long have you lived there?

4 years
#4
Same thing happened to my mum years ago and they didn't pay out. Police said someone must have had a key to get in and blamed it on my brother but we know 100% it wasn't him.

Hope your policy is different but I wouldn't hold much hope. Sorry to hear about your news. I think that knowing someone was in your house is even worse than losing some belongings.
#5
Warrenmole2004;2662454
4 years

What type of lock is it? is it a yale type key?
#6
If unlocked they will defo not pay out....sorry about your news
#7
As above, if it was unlocked they won't pay out.
#8
feel for you - hope they didnt trash the place - its bad enough being burgled - insurance are open for claims 24/7 - wish you luck in your claim
#9
harlzter;2662468
What type of lock is it? is it a yale type key?

Don't think it's a yale type key. It's a patio door and you have to lift the handle to lock it.
#10
Don't know about your insurance OP but so sorry to hear your news.
#11
holly100;2662511
feel for you - hope they didnt trash the place - its bad enough being burgled - insurance are open for claims 24/7 - wish you luck in your claim

They didn't do any damage as such, which is something to be grateful for I suppose.
For some reason I cannot find 24 hour phone number of Halifax Insurance. Can anyone help.
#12
Some friends of mine got burgled when they were in bed last month.
They had left the back door unlocked.
Their insurance company - Lloyds bank paid up mega quick - no problem.
They took the car keys as well,the car was written off & they now have new car from insurance.
Think they were very very lucky.
#13
This is the number I have for claims with Halifax - 0845 600 6001. Just called to check and it says open from 8am tomorrow

Hope it gets sorted for you.
#14
The scenes of crime (SOCO or CSI) will come out to you and they will be better placed to establish entry and egress of the scum that broke in.
I would have a look at all of your windows and doors for small flat marks that would look like the top of a screwdriver. Remember, just because they have come in through a window, if you are like millions of people with a mortice lock and leave your keys in the back of the lock, it would be a much easier exit (egress) that going back out of the window. point is entry and exit point are often different.
The police/insurance company will benefit from the make model and serial numbers of your items. You would not believe the amount of property we recover, but are unable to trace the owner as there are no other distinguishing marks to identify ownership - we have to give it them back as we cant prove its stolen. On this note, anyone reading this, please use a digital camera to photograph these details and keep them safe or make a note of the serial numbers etc. somewhere. This will enable the police to identify them as yours and prove to the insurance company you had them in the first place.
Hope you get it sorted, let me know if I can help further
banned#15
Ring the phone and see what happens :thumbsup:

Also tell the locals to keep an eye out in your local scally pub.
#16
fireheaven;2662673
This is the number I have for claims with Halifax - 0845 600 6001. Just called to check and it says open from 8am tomorrow

Hope it gets sorted for you.

Thanks for that. :thumbsup:
Looks like I will have to wait until tomorrow to try and get things sorted.
#17
Not any help to you I'm afraid but sorry to hear you news!!
#18
as long as the door was accidentally left unlocked you will be fine especially if it was the back door as they will look at it as somebody has already gone round the back of the property with the intention of breaking in.
#19
Warrenmole2004;2662516
Don't think it's a yale type key. It's a patio door and you have to lift the handle to lock it.

Yep if its the type of key and lock im thinking of they are very easy to unlock without the proper key and without causing damage, google bump key for a shock
#20
magicdamo;2662699
as long as the door was accidentally left unlocked you will be fine especially if it was the back door as they will look at it as somebody has already gone round the back of the property with the intention of breaking in.

They definately were intending to break in, as we found a hammer and screwdriver that had been left at the back garden.
The police took these as evidence.
#21
magicdamo
as long as the door was accidentally left unlocked you will be fine especially if it was the back door as they will look at it as somebody has already gone round the back of the property with the intention of breaking in.


:? Where do you get idea info from? I've never heard of an insurance claim being accepted with a claim to have 'accidentally' forgotten to protect property! I imagine you should never admit to having left the property unlocked. I've only ever made one insurance claim - many years ago when I had a camera stolen abroad. It was refused for similar reasons. Not paying 'due care' or some such phrase...
#22
Liddle ol' me
:? Where do you get idea info from?


Maybe they heard it being discussed so thought it must be true? ;-)
#23
As a previous poster said check all your windows for signs of damage, the odds are that they gained entry thru window then used door to escape. Your insurance is invalid if you fail to lock up, sorry. At least you didnt confront them and you are fine, which is the thing to remember. We have been broken into several times now and always increase our security each time, but a determined thief will always gain entry, the trick apparently is to make your house more secure/less attractive than your neighbours. Hope you get sorted quickly.
#24
Liddle ol' me;2662747
:? Where do you get idea info from? I've never heard of an insurance claim being accepted with a claim to have 'accidentally' forgotten to protect property! I imagine you should never admit to having left the property unlocked. I've only ever made one insurance claim - many years ago when I had a camera stolen abroad. It was refused for similar reasons. Not paying 'due care' or some such phrase...


the insurance company has to prove that he didnt pay due care being in your house wuth the door unlocked is perfectly acceptable.
if he had gone out and left the door unlocked would be classed as not paying due care so would be kicked out
#25
magicdamo
the insurance company has to prove that he didnt pay due care being in your house wuth the door unlocked is perfectly acceptable.
if he had gone out and left the door unlocked would be classed as not paying due care so would be kicked out


Again, really? Where do you get this info from? I'm only advising the OP to be cautious and not to take at face value what someone confidently claims to be 'true' on an internet forum.

And where does it say the OP was in the house at the time? I presumed s/he was out... :?
#26
How can they say you definate left it open, crooks these days are so sneaky they are able to pick locks especially patio doors, !! i watched my locksmith do it when i got locked out!! So dnt tell me the door has to be damaged or broken! As i saw my locksmith get in without so much as a scratch! and put it all back together!!
#27
Liddle ol' me;2663005
Again, really? Where do you get this info from? I'm only advising the OP to be cautious and not to take at face value what someone confidently claims to be 'true' on an internet forum.

And where does it say the OP was in the house at the time? I presumed s/he was out... :?

Sorry (thought I'd said we were in), we were actually asleep upstairs when it happened.
#28
so what if the door was unlocked , they had no right to come into your house and steal things.

please keep us all updated and i hope they catch the crook/crooks
#29
Warrenmole2004
Sorry (thought I'd said we were in), we were actually asleep upstairs when it happened.


Actually I think you did. I just saw the "p.s. We were in the house when the burglary happened." :w00t: I would still not admit to anyone that the door might have been unlocked. It could predudice your claim, so why take the chance?
#30
I have a habit of keeping the boxes to things so most of what was taken I have the boxes and serial numbers for...hope this helps to get em back or replaced..
#31
Since 'bumping' locks was leaked to the internet im suprised anyone can be sure that the door was unlocked.
#32
Heh, take it to court if insurance don't pay out and in the evidence have a video of a locksmith unlocking the door without a key. :)
#33
Liddle ol' me;2663005
Again, really? Where do you get this info from? I'm only advising the OP to be cautious and not to take at face value what someone confidently claims to be 'true' on an internet forum.

And where does it say the OP was in the house at the time? I presumed s/he was out... :?


i work in home insurance and unless we can prove that the policy holder is negligent the claim can not be rejected.
the fact that they were in the house makes the property secure as they cant expect you to lock yourself in the house just incase someone tries to rob you,the fire brigade would throw a fit for starters.
#34
As above, DON'T TELL THE INSURANCE COMPANY that you are unsure whether it was locked or not.

As far as you know, it was locked. So don't jeopardise your claim. :)
#35
thanks for all the comments, will call insurance tommorrow and let you all know what happens...(at least there are still some nice people around)
#36
duckmagicuk2;2663422
As above, DON'T TELL THE INSURANCE COMPANY that you are unsure whether it was locked or not.

As far as you know, it was locked. So don't jeopardise your claim. :)


if you want to invalidate your claim do as above
if they dont ask you when you log the claim how they gained entry then when they see the polcie report they will see what the police have written and will more than likely also investigate for fraud.
tell them what the police have said and you will be fine.
#37
magicdamo
i work in home insurance and unless we can prove that the policy holder is negligent the claim can not be rejected.
the fact that they were in the house makes the property secure as they cant expect you to lock yourself in the house just incase someone tries to rob you,the fire brigade would throw a fit for starters.


I am going to sit with this quote and wait for liddle ol me to attempt to argue with someone who is clearly right.

:whistling:
#38
This happened to me i was in the house and the window may have been unlocked but the police said at the time it doesn't matter as they were not invited in and given the stuff they took and confirmed with our insurance it was true.
#39
:friends:
#40
snowtiger;2665808
:friends:

Awwh.....
Will ring insurance tomorrow and let you guys know what's happened.
Once again, thanks for all your replies, much appeciated.

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