Theft of goods from car in driveway

Theft of goods from car in driveway

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97lude

Original Poster:

355 posts

191 months

Monday 16th November 2015
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The initial message was deleted from this topic on 17 November 2015 at 18:05

OldGermanHeaps

3,801 posts

177 months

Tuesday 17th November 2015
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So you are running a business without business insurance, without adequate security, do you have business insurance on the car and are you declaring this income to the hmrc? If all is legit, give it a go by all means nothing to lose but if you are breaking the law yourself i'd keep my mouth shut. And get better cctv. Its 2015, theres no excuse for st cctv. Want to buy some decent cctv? I got insurance and tax paperwork and everything.

97lude

Original Poster:

355 posts

191 months

Tuesday 17th November 2015
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OldGermanHeaps said:
So you are running a business without business insurance, without adequate security, do you have business insurance on the car and are you declaring this income to the hmrc? If all is legit, give it a go by all means nothing to lose but if you are breaking the law yourself i'd keep my mouth shut. And get better cctv. Its 2015, theres no excuse for st cctv. Want to buy some decent cctv? I got insurance and tax paperwork and everything.
Not really a business as out of the 23 that were stolen, 7 were from my personal collection, 6 were to give to friends at cost price as I got them dirt cheap, 4 were ready to swap with my friend for some of his and 6 were on eBay to sell for £10-£15 a pair to subsidise my purchases... Like I mentioned in my previous post, it's also a hobby, not really in it to make profit, just a bit of beer money on the side! Would the insurance company still see this as business use and invalidate my entire claim or would they pay out due to the circumstances and the fact that I've got CCTV and receipts for everything?

Also, with regards to the declaration of profits to HMRC on my self assessment, I hardly think it's worth it if I'm making £20-30 a month profit which goes straight towards my own purchases.

Mandat

3,881 posts

237 months

Tuesday 17th November 2015
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Will your home insurance even entertain a claim involving theft from your car?

I don't know the ins and outs of insurance, but I would have thought that Direct Line will point you towards claiming off your car insurance policy.

97lude

Original Poster:

355 posts

191 months

Tuesday 17th November 2015
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Mandat said:
Will your home insurance even entertain a claim involving theft from your car?

I don't know the ins and outs of insurance, but I would have thought that Direct Line will point you towards claiming off your car insurance policy.
Yes as it's on the driveway I believe it's covered, the only issue is whether they say it's for business use or not, which in my case there's no commercial motive and it's on the smallest scale imaginable..

VX Foxy

3,962 posts

242 months

Tuesday 17th November 2015
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Personal effects cover is usually part of home contents insurance. Was the car locked? What cover do you have?

I think you can only be honest and tell the ins co what you've told us.

anonymous-user

53 months

Tuesday 17th November 2015
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VX Foxy said:
Was the car locked?
97lude said:
without using forced entry
I'm already confused
One thing i learnt many years ago when i had a truck in a pretty secure locked compound surrounded by barbed wire (one easy way to be sued now) is you can leave your truck empty and unlocked so toerags can rifle through it. Or leave it locked so the toerags just cause the extra hastle and expense of a new window to find out there's nothing in it.
I learnt to go with option 1 pretty quickly smile as the police didn't give a flying foooook mad

JustinP1

13,330 posts

229 months

Tuesday 17th November 2015
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97lude said:
I wasn't doing it to make serious money, only making around £10-£15 on the side to subsidise the cost of my trainer purchases.

Any advice appreciated.
Don't get high on your own supply.

97lude

Original Poster:

355 posts

191 months

Tuesday 17th November 2015
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Yes the car was definitely locked as I'm very particular about this. The police did say it's quite common nowadays for criminals to be able to get into a car without the original key by intercepting the signal when you lock the car or something along those lines. This issue is apparently very common with Ford Transits who the police said get broken into on a very regular basis without any evidence of forced entry.

97lude

Original Poster:

355 posts

191 months

Tuesday 17th November 2015
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Also another strange thing is that my passport was in my car overnight too. For some reason, they didn't take this or the 8th sitting next to it!

Impasse

15,099 posts

240 months

Tuesday 17th November 2015
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Change your suppliers of both trainers and drugs. They know where you keep your stash.

Aretnap

1,643 posts

150 months

Tuesday 17th November 2015
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Mandat said:
Will your home insurance even entertain a claim involving theft from your car?

I don't know the ins and outs of insurance, but I would have thought that Direct Line will point you towards claiming off your car insurance policy.
Car insurance is intended to cover the car - not its contents. Some car policies include a very limited amount of cover (of the order of a couple of hundred quid) for things like tools or a satnav which would normally be left in the car all the time - but there's no way you can claim for a boot full of trainers on your car policy.

Home/contents insurance will cover your posessions while they're outside yoir home if you have the appropriate add-on (usually called personal posessions cover).There's normally a clause to say that theft from an unattended car will only be covered if the posessions were stored in a locked boot or similar.

Sushifiend

5,095 posts

136 months

Tuesday 17th November 2015
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Who the heck needs to flog trainers on ebay in order to fund their purchases of more trainers for personal use?

97lude said:
For some reason, they didn't take this or the 8th sitting next to it!
I have my answer.

The Mad Monk

10,474 posts

116 months

Tuesday 17th November 2015
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97lude said:
Not really a business as out of the 23 that were stolen, 7 were from my personal collection, 6 were to give to friends at cost price as I got them dirt cheap, 4 were ready to swap with my friend for some of his and 6 were on eBay to sell for £10-£15 a pair to subsidise my purchases... Like I mentioned in my previous post, it's also a hobby, not really in it to make profit, just a bit of beer money on the side! Would the insurance company still see this as business use and invalidate my entire claim or would they pay out due to the circumstances and the fact that I've got CCTV and receipts for everything?

Also, with regards to the declaration of profits to HMRC on my self assessment, I hardly think it's worth it if I'm making £20-30 a month profit which goes straight towards my own purchases.
I think you should tell HMRC, it should go alright.

dacouch

1,172 posts

128 months

Tuesday 17th November 2015
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If your Home Insurance covers it, they will normally require the stolen items to be in a locked and concealed boot or locked glove box.

Assuming you get over the above hurdle you will then need to demonstrate possession of the items eg receipts etc and then that they were not business stock.

I would be very surprised if you succeed with this claim

V8LM

5,166 posts

208 months

Tuesday 17th November 2015
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Some home policies do not cover undeclared "collections".

rb5er

11,657 posts

171 months

Tuesday 17th November 2015
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Sounds like you are screwed OP. I would have thought someone knew they were there too.

numtumfutunch

4,705 posts

137 months

Tuesday 17th November 2015
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97lude said:
Hi,

To cut a long story short .......

I can't really afford to lose £800 worth of stock having just started
You say this but it isnt a business?

Are you sure?

Hugo a Gogo

23,378 posts

232 months

Tuesday 17th November 2015
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97lude said:
Not really a business as out of the 23 that were stolen, 7 were from my personal collection, 6 were to give to friends at cost price as I got them dirt cheap, 4 were ready to swap with my friend for some of his and 6 were on eBay to sell for £10-£15 a pair to subsidise my purchases... Like I mentioned in my previous post, it's also a hobby, not really in it to make profit, just a bit of beer money on the side! Would the insurance company still see this as business use and invalidate my entire claim or would they pay out due to the circumstances and the fact that I've got CCTV and receipts for everything?

Also, with regards to the declaration of profits to HMRC on my self assessment, I hardly think it's worth it if I'm making £20-30 a month profit which goes straight towards my own purchases.
how do you get 800 quids worth of stock for your new business from 6 pairs of trainers you were hoping to sell for as little as 60 quid?

JustinP1

13,330 posts

229 months

Tuesday 17th November 2015
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Hugo a Gogo said:
97lude said:
Not really a business as out of the 23 that were stolen, 7 were from my personal collection, 6 were to give to friends at cost price as I got them dirt cheap, 4 were ready to swap with my friend for some of his and 6 were on eBay to sell for £10-£15 a pair to subsidise my purchases... Like I mentioned in my previous post, it's also a hobby, not really in it to make profit, just a bit of beer money on the side! Would the insurance company still see this as business use and invalidate my entire claim or would they pay out due to the circumstances and the fact that I've got CCTV and receipts for everything?

Also, with regards to the declaration of profits to HMRC on my self assessment, I hardly think it's worth it if I'm making £20-30 a month profit which goes straight towards my own purchases.
how do you get 800 quids worth of stock for your new business from 6 pairs of trainers you were hoping to sell for as little as 60 quid?
I believe either distribution or consumption of the 8th is connected to that.