My Mums car has just been stolen, what now? UPDATE: the car has just been found completely trashed! - HotUKDeals
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My Mums car has just been stolen, what now? UPDATE: the car has just been found completely trashed!

realfriendlyman Avatar
7y, 11m agoPosted 7 years, 11 months ago
Basically my brother is also on the insurance and my Mum let him borrow the car to transport some of his furniture etc.
Apparantly, this happens quite often in the area he's moved to, which is supposed to be quite plush but they broke into his flat without any forced entry and stole his jacket, which included his new phone and car keys.

They also stole his flatmates car, which was parked about 5 mins away from the flat, which the police seem to think the "pros" have been watching them for weeks, as it's also happened to the neighbours recently.

How much do you think we're likely to get from the insurance, which was a 2006 VW polo Dune and only had about 6000 miles on the clock and full service history and what are the likely procedures after the forensics have also checked it out?

UPDATE: the car has just been found completely trashed and so has my brother flatmates car and his was smashed into a tree.
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realfriendlyman Avatar
7y, 11m agoPosted 7 years, 11 months ago
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#1
Obviously you have informed the police. Have they visitied the flat? what's their opinion regarding the no forced entry? how did they get into the flat?

that's going to be the sticking point with the insurers - no forved entry and unattented keys, so the car will have no forced entry either.

I guess you need to start talking to the insurers.

EliTom
#2
Well unless there is blood at the scene.... not a lot for forensics.

If the insurance is fully comp you will be fine. Just had over crime ref number.
#3
Unless you left windows doors open unlocked.... then your stuffed.... sorry.

Police will but on report premises insecure.
#4
gosh thats well sucky
#5
Assuming the insurance is OK, you should get the replacement cost of the car, i.e. what you should be able to buy it for in a deal not involving px. That's likely to be (at a rough estimate) 10% less than a main dealer would be selling a similar car for.

Best start trawling [url]www.autotrader.co.uk[/url] to see current prices, particularly if it's an unusual version with low mileage. Keep them as evidence for when the assessor arrives!
1 Like #6
The police stated that it's common in the area (stay away from Canary Wharf lol) and the exact same thing happened to the neighbours and it was paid out apparantly and found 5 months later.
Apparantly the people that broke in are pros and can jimmy any lock, as if you know what you're doing, you can break any lock without any damage......which makes me feel quite unsafe but the police are positive my bro has been targetted.

My Mum isn't pleased (putting it mildly) but my brother has called the insurance and they said they can pay out as soon as next week after the forensics and crime referance number.

How much do you think my Mum is likely to get because even though she didn't use the car often, she loved that car and will probably end up buying the same car again because she doesn't like change.
#7
My Mum is also really concerned that she'll lose her no claims bonus, that she's never used in over 30 years of driving, so she's furious with my brother, even though I've tried to explain there was no way of preventing this from happening while he was sleeping and she should be glad they didn't do anything more because no one had even noticed they were roaming around the house. :S
#8
Your best doing a search, seeing how much they are going for and then take a bit off.
1 Like #9
realfriendlyman
The police stated that it's common in the area (stay away from Canary Wharf lol) and the exact same thing happened to the neighbours and it was paid out apparantly and found 5 months later.
Apparantly the people that broke in are pros and can jimmy any lock, as if you know what you're doing, you can break any lock without any damage......which makes me feel quite unsafe but the police are positive my bro has been targetted.

My Mum isn't pleased (putting it mildly) but my brother has called the insurance and they said they can pay out as soon as next week after the forensics and crime referance number.

How much do you think my Mum is likely to get because even though she didn't use the car often, she loved that car and will probably end up buying the same car again because she doesn't like change.


So the police have stated on teh crime report that the lock was "bumped" or something like that. They have not said the flst was unsecured? If so then you should be OK - BTW get an anti bumping devise fitted to the lock!

As far as value - depends who the insurer is. Always be prepared to haggle and find out the value of a direct replacement first. Some insurers will give you trade only so will give near replacement value - it just depends on the insurer.

EliTom
1 Like #10
A quick look on autotrader shows a price of around £9,000 for a 56 reg of about same mileage. You'd probably get it for between £8,000 and £8,500 without a px. That's around what you'd expect the insurance company to pay up, minus of course any excess.

If your mum hasn't got protected no claims then it's likely to drop by 30 to 40% next renewal. They may also reconsider risk bearing in mind where car was stolen from so basic premium could rise as well. The insurance companies like to try to get their money back as soon as they can. :roll:
#11
elitom
So the police have stated on teh crime report that the lock was "bumped" or something like that. They have not said the flst was unsecured? If so then you should be OK - BTW get an anti bumping devise fitted to the lock!

As far as value - depends who the insurer is. Always be prepared to haggle and find out the value of a direct replacement first. Some insurers will give you trade only so will give near replacement value - it just depends on the insurer.

EliTom


I don't know anything about picking locks but I'll mention that to my bro, so thanks for the tip EliTom :thumbsup:

My bro just said RAC membership plus apparantly payout based on the market value from [url]www.glass.co.uk[/url] but I can't seem to find there valuation.
#12
tony_s1
A quick look on autotrader shows a price of around £9,000 for a 56 reg of about same mileage. You'd probably get it for between £8,000 and £8,500 without a px. That's around what you'd expect the insurance company to pay up, minus of course any excess.

If your mum hasn't got protected no claims then it's likely to drop by 30 to 40% next renewal. They may also reconsider risk bearing in mind where car was stolen from so basic premium could rise as well. The insurance companies like to try to get their money back as soon as they can. :roll:


She has an RAC Membership Plus insurance, I'm not sure what it includes exactly but I couldn't findout if her no claims bonus is protected...I hope it is because she's really annoyed about that.

EDIT: Left some rep for Tony and Eli as a thank you. :thumbsup:
#13
realfriendlyman
I don't know anything about picking locks but I'll mention that to my bro, so thanks for the tip EliTom :thumbsup:

My bro just said RAC membership plus apparantly payout based on the market value from [url]www.glass.co.uk[/url] but I can't seem to find there valuation.


looking at glasses guide I would say in the region of £8.5k if you have a good insurance company - £7.5k if they only offer trade. Push them for £9k you should be able to replace it for £8.5k

EliTom
#14
realfriendlyman
I don't know anything about picking locks but I'll mention that to my bro, so thanks for the tip EliTom :thumbsup:


see

http://antibumplocks.com/ :w00t:

EliTom
#15
General advice seems to be to reject the first offer from the insurance, they tend to thrown in a low figure first as a lot of people will accept it..

I saw Rogue Traders the other day, and a standard Yale lock took 5 seconds to get into, with no specialist tools. Always use a deadlock!
#16
Thanks for the advice guys and girls, it's freaky how easy it is to break in based on EliToms link....I think wild pitbulls might have to come into play as well as deadlocks. :giggle:

We'll reject the first offer and see if we can get as much as possible then but I think they'll get it all back asap from the increased insurance costs.
#17
realfriendlyman
Thanks for the advice guys and girls, it's freaky how easy it is to break in based on EliToms link....I think wild pitbulls might have to come into play as well as deadlocks. :giggle:

We'll reject the first offer and see if we can get as much as possible then but I think they'll get it all back asap from the increased insurance costs.


deadlocks are no good these days - you need one of these

CISA Astarl S

http://www.security.ingersollrand.com/Products/Architectural/SecurityProducts/PublishingImages/astral_s.jpg

The wild pitbulls will help though :whistling:

EliTom
1 Like #18
so sorry to hear that op,with all the hassle ive had this year i half expect to wake up one morning and find one of mine gone,i really hope you get it all sorted,hows your hospital business going by the way? did you get it sorted in the end?

I had one op which worked great and i actually began to feel my finger and thumb again but then all went pear shaped and i lost the feeling again so have to have the op again on dec 23rd,at least i get out of cooking xmas dinner! wwooohoooooooo

Take care and all the best for xmas and the new year :)
#19
Sorry to hear about this - what a drag.
You ask how much the insurers will offer. My only relevant experience was when we had a lovely car that drowned in a flood. I hope your mum has a better experience than we did, because it was a bit of a night-mare. They offered a rock bottom price and it was lucky that I was off work ill because it took loads of phone calls ( I ended up on first name terms with one young lady at the insurers!!) and statements from the garage that had cared for the car that it was in excellent condition and evidence locally - not nationally, which they wouldn't accept - as to the sort of value for second hand purchase. What a to-do. Eventually we got a bit more than their first offer, but it was no-where near the cost of actually, in real life, getting as good a car again.. It was lucky that we had two cars because it took months. Also lucky that my hubby ( his car and he drowned it!!) had his no-claims protected. Your mum might have a more helpful insurer: I hope so.
RFMan - like Mardy, hoping that all has gone well with the hand.
Mardy - sorry to hear that you're having to try again.
#20
Mardyass
so sorry to hear that op,with all the hassle ive had this year i half expect to wake up one morning and find one of mine gone,i really hope you get it all sorted,hows your hospital business going by the way? did you get it sorted in the end?

I had one op which worked great and i actually began to feel my finger and thumb again but then all went pear shaped and i lost the feeling again so have to have the op again on dec 23rd,at least i get out of cooking xmas dinner! wwooohoooooooo

Take care and all the best for xmas and the new year :)


We've had a bad year as well and we can't wait for the year to end but I'm always optimistic and will make sure I create my own luck and I hope you do the same cos you're one of the nicest members on this forum. :)

I'm still having physio on my hand but it's slow progress, as I still have pains but at least having little shunts and bumps doesn't kill me anymore, so I'm getting happier. :)

Good luck with your op, I'll be thinking of you approaching christmas and I hope your situation rapidly improves.

chesso
Sorry to hear about this - what a drag.
You ask how much the insurers will offer. My only relevant experience was when we had a lovely car that drowned in a flood. I hope your mum has a better experience than we did, because it was a bit of a night-mare. They offered a rock bottom price and it was lucky that I was off work ill because it took loads of phone calls ( I ended up on first name terms with one young lady at the insurers!!) and statements from the garage that had cared for the car that it was in excellent condition and evidence locally - not nationally, which they wouldn't accept - as to the sort of value for second hand purchase. What a to-do. Eventually we got a bit more than their first offer, but it was no-where near the cost of actually, in real life, getting as good a car again.. It was lucky that we had two cars because it took months. Also lucky that my hubby ( his car and he drowned it!!) had his no-claims protected. Your mum might have a more helpful insurer: I hope so.
RFMan - like Mardy, hoping that all has gone well with the hand.
Mardy - sorry to hear that you're having to try again.


I'm sure this will be dragged out with the insurance company, does anyone know if RAC is any good with paying out?

Thanks for that Chesso, again, you're also one of my fave members on HUKD and one of the few people I feel the forum constantly craves for.
banned 1 Like #21
Hi RFM.. hmmmmm not good!

My Nephew and Neice have both got flats in this area also! I'll have to ask them what sort of locks they have!

Unfortunately crime pays! My car (sitting on my drive) got broken into 10 days ago. Smashed the back quarter window, wound down the window (it has dead locks) and crawled through the window. Target was sat nav - which wasnt in the car - just the tell tale suction holder on the windscreen. The contents of the glove compartment was all over the place!

Hopefully all your windows were locked when the police came (so they dont write anything in the report). I dont think you will have problems with the insurance as long as there are no clauses in the policy about having deadlocks fitted - (and not using them to invalidate the policy!) Fingers crossed!

BTW - the thing I was talking about earlier is cushty! I know you'd be interested in it. (Not just footy - but full Turkish packages too!)
#22
That sux so hard. Hope it get's sorted out.

Send for these boys:

http://i402.photobucket.com/albums/pp110/robtallica/Life%20on%20Mars/lifeonmars460.jpg
#23
guv
Hi RFM.. hmmmmm not good!

My Nephew and Neice have both got flats in this area also! I'll have to ask them what sort of locks they have!

Unfortunately crime pays! My car (sitting on my drive) got broken into 10 days ago. Smashed the back quarter window, wound down the window (it has dead locks) and crawled through the window. Target was sat nav - which wasnt in the car - just the tell tale suction holder on the windscreen. The contents of the glove compartment was all over the place!

Hopefully all your windows were locked when the police came (so they dont write anything in the report). I dont think you will have problems with the insurance as long as there are no clauses in the policy about having deadlocks fitted - (and not using them to invalidate the policy!) Fingers crossed!

BTW - the thing I was talking about earlier is cushty! I know you'd be interested in it. (Not just footy - but full Turkish packages too!)


Hi mate,

Definitely tell your niece and nephew about it cos it is a common occurance over there and after this eye opener, I'm considering changing all the locks.
Sorry to hear about your car, as the same kept happening to us as well, the stupidest occasion was when they broke into the car and didn't find anything, so they stole the ashtray, which had was filled with spare change but cost quite a bit to repair the central locking. :x

That Cushty (imagining you say that actually made me lol) is very interesting indeed but I never watch turkish tv, as I'm probably more english than you (well.....almost :)) but my Mum would love to watch Turkish satellite again after she refused to keep paying for the the channels losing signal.

Maybe you should send me all the details via email to make me happy for the run up to christmas and a big thank you from an even bigger Arsenal fan. :thumbsup:
#24
They've now offered us a Ford KA as a courtesy car or we can pay an extra £50 per week to receive a Ford Focus...does anyone know if courtesy cars are insured, as my mum seems to think you have to cover all costs if anything happens whatsoever, so she's worried someone may scratch it on our street or if she lets my bro borrow it around the area it was stolen.

TO MARDYASS: I hope your ops are successful but the fact that you felt your fingers proves the senses are there, so it'll come together soon and I wish you the world of luck. :)
#25
Depending on your insurance, the courtesy car is usually covered free of charge if its from the insurer. Good luck with everything. I work in car insurance so if u need any info i'd be glad to help if i can.
#26
UPDATE: the car has just been found completely trashed and so has my brother flatmates car and his was smashed into a tree.
#27
Oh dear ! :-(
#28
realfriendlyman
UPDATE: the car has just been found completely trashed and so has my brother flatmates car and his was smashed into a tree.


Pics please, sorry just wanna see it.
banned#29
pics too please
#30
I haven't seen it yet......but my Mum told me a little while ago......it sounds like it was kids that stole for the sake of it for a BS joyride :x

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