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Insurance claim

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Hi guys, I have buildings and contects insurance with morethan. I have lost some jewellery recently and I am praying I am covered by my insurance. The website seems to imply they cover loss, but …
doeshen Avatar
6y, 1w agoPosted 6 years, 1 week ago
Hi guys,

I have buildings and contects insurance with morethan. I have lost some jewellery recently and I am praying I am covered by my insurance. The website seems to imply they cover loss, but is it really as simple as saying I just lost some jewellery and they pay out?

Any experience/advice appreciated.

Thanks
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doeshen Avatar
6y, 1w agoPosted 6 years, 1 week ago
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#1
did you report it & get a crime number ? as I should imagine you would need this info for a claim.

Edited By: richp on Mar 13, 2011 00:24
#2
Apparently you dont get crime numbers any more . . . Hertfordshire police station informed me of that
#3
Why would the op have crime number if they lost the jewellery, no crime has been committed
#4
DannyM
Apparently you dont get crime numbers any more . . . Hertfordshire police station informed me of that


ah ok, didn't realize that,seems bizzare why not though, any reason ?
#5
stewby
Why would the op have crime number if they lost the jewellery, no crime has been committed


yeah fair point, but wouldn't they report it lost though ?
#6
no crime reference number yet but the website did say i have to report it lost to the police.

It seems too easy and open to fraud if all you have to do is say 'sorry i lost it'.

But i genuinely have and the website seems to imply they cover loss
#7
No idea if theres a reason behind it, just what i was told when i phoned them on a trip down, luckily didnt have to go through al that as a very nice car salesman found it and posted it back up to me :)

bit off topic but still, hope it all goes well OP and it wasnt anything too precious
#8
richp
stewby
Why would the op have crime number if they lost the jewellery, no crime has been committed


yeah fair point, but wouldn't they report it lost though ?


Maybe I guess. Depends though. My missus lost a necklace and we knew 100% it somehow got lost in the house ( we suspect our toddler put it in the bin). In that situation there was no point in going to the police really
#9
Has anyone had to claim for lost jewellery before?

Edited By: doeshen on Mar 13, 2011 00:33
#10
It depends on the t&c's of your contents insurance Op.

If your policy states it covers you for accidental loss, then you are covered. 2 points to bear in mind though:

1- The value of the jewellery - - Weigh this up against the increase in your premiums from next year as you may/may not lose any no claims discount you have accrued.

2- Again check your T&C's - your insurers will more than likely question the loss before if/when they pay out. They will want to know specific details i.e. when you last had the items, where you think you lost them i.e at home or away from home. Be careful as some policys cover loss at home only and some cover away from home. Some insurers don't cover loss at home purely because the items aren't technically lost as they are still in your home, even though you don't know where. Complicated I know.

3-If you call them to claim and end up changing your mind and not pursuing the claim, then it will still be recorded as a loss and may affect your no claims in the future.

I work in insurance btw. Hope that helps.

Edited By: karaokecolin on Mar 13, 2011 00:36
#11
Thanks for the advice. The cost is £1500 which is also the limit for non declared items. The t&c's state 'loss' not 'accidental loss'. Is there a difference in insurance definitions? I'll check my policy but I'm pretty sure mine covers loss away from home too.
#12
Ps this is the first year of my insurance so no no claims bonus yet
#13
Yes there is a difference in "loss" and "accidental loss".

A "loss" is what you as the insured suffer due to an event - eg fire, burglary - and it results in you making the claim. The loss in your case is financial and possibly sentimental.

"Accidental loss" is a reason or cause to make a claim - similar to fire, flood etc. Make sure your policy covers for this wherever you think you lost the jewellery = -i.e home or away from home as this can differ between policies.

If it is your 1st year as insured, it means if you make a claim, it may affect any discount you would be entitled to next year but then again for £1500 worth, it may be worth you having a go. Your call really.
#14
Have you looked down the back of the couch?

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