Theft of goods from car in driveway

[btcc123]

You will have a problem with the insurance company when they ask what happened.You say during the night someone broke into my car that was on the driveway without using forced entry and nicked 23 pairs of trainers worth £800.They will say so there is no evidence of a break in of your car,so cannot see this going well for you.

[97lude]

btcc123 said:

You will have a problem with the insurance company when they ask what happened.You say during the night someone broke into my car that was on the driveway without using forced entry and nicked 23 pairs of trainers worth £800.They will say so there is no evidence of a break in of your car,so cannot see this going well for you.

Had you read the thread without jumping to assumptions, you'll have noticed that there is CCTV footage showing the break in. Although it's not very clear, it still shows someone entering the car and rummaging around with a torch and then proceeding to walk towards the boot where the trainers were stored. I've also sent them copies of all my receipts / invoices to substantiate my claim.

[shambolic]

TBF to OP I have a few mates that "trade" and swap trainers and own 50-60 pairs of adidas. In fact one of them sat outside a store in Glasgow on Friday night to get a Limited edition pair on Saturday.
Some older ZX models can for for hundreds of pounds

[akirk]

if you are buying trainers with the aim of making some money out of them - i.e. you are not buying for personal use as trainers / to stick on a shelf and enjoy looking at them then it is a business... making a profit / loss / etc. may not be relevant, it could be that you are just bad at business

I would be surprised if this would be covered - but that is a separate issue from the fact that someone stole them - for that contact the police and see what happens...

[Tom_C76]

Is it just me that has an image here of either a bad US teen comedy or maybe even a Cheech and Chong movie?

[JustinP1]

Dude, Where's The Trainers From My Car?

[V8A*ndy]

Any footprints?

[anonymous-user]

97lude said:

Had you read the thread without jumping to assumptions, you'll have noticed that there is CCTV footage showing the break in. Although it's not very clear, it still shows someone entering the car and rummaging around with a torch and then proceeding to walk towards the boot where the trainers were stored. I've also sent them copies of all my receipts / invoices to substantiate my claim.

I presume you didn't mention the word "stock" to them?


Edited to add:

Here is the wording from the Direct Line website - its not the policy document but it's their attempt to explain what's covered in plain English

"It doesn't cover things that are used for business"

In terms of theft from a vehicle

"Things stolen from cars or vans, unless they're out of sight and someone had to break in to find them. (So a handbag that's locked in the boot and can't be seen from the street would be covered. But a Tom-Tom that's there on the dashboard wouldn't"

So as you say there wasn't any force used (I presume you mean the vehicle was unlocked) - the claim could fail as they didn't "break in"

Anyway you are committed to the fraud now. I think Direct Line has stopped using Voice Risk Analysis software so if you keep to the story you may be ok. Providing they don't mind that the vehicle was unlocked. And that they are young enough to understand that trainers are appreciating assets so that is why you had so many in the unlocked boot of your car.

Edited by anonymous-user on Tuesday 17th November 11:30

Edited by anonymous-user on Tuesday 17th November 11:32

[paintman]

97lude said:

paintman said:

OP based on what you have said in your posts - especially the first ones - I believe HMRC would take the view that you are running a business and are a trader.
Have a read through this: https://www.gov.uk/government/publications/paying-...

"Selling goods or services
You could be classed as a trader if you sell goods or services. If you’re trading, you’re self-employed.
"What counts as trading

You’re likely to be trading if you:

sell regularly to make a profit
make items to sell for profit
sell online, at car boot sales or through classified adverts on a regular basis
earn commission from selling goods for other people
are paid for a service you provide

What doesn’t count as trading:
You’re probably not trading if you sell some unwanted items occasionally or you don’t plan to make a profit. You can’t use any losses you make as part of a hobby to reduce your tax bill."

Having read my original post again, I can understand why people would assume I'm trading "for a living" as it isn't worded very clearly. I buy two or three pairs at a time from high street retailers such as Nike / Footlocker etc on sale, I don't buy in bulk from a single supplier with the intention of distributing in huge quantities. I have paperwork to support all my purchases which I have forwarded on to the insurer in the hope that they will agree with my position and reimburse me for my loss.

You don't need to be doing it 'for a living'.
If what you are doing is in line with the guidance of HMRC then you are likely to be viewed as a trader whether it's your full time job or a bit of a sideline.

[Prizam]

97lude said:

Drumroll said:

So why keep them in your car?

Went to a friends house on Saturday where a group of us got together, bought our trainers along and exchanged / traded with each other, didn't get a chance to bring them back inside, your honour.

You have got to be kidding right?

For some one who "set up a limited company with a turnover of approx £25-£30k pa" you sure do come across as a member of the traveller community.

[pinchmeimdreamin]

97lude said:

Had you read the thread without jumping to assumptions, you'll have noticed that there is CCTV footage showing the break in. Although it's not very clear, it still shows ME entering the car and rummaging around with a torch and then proceeding to walk towards the boot where the trainers were stored. I've also sent them copies of all my receipts / invoices to substantiate my claim.

Fixed that for you.

So you get Receipts/Invoices from your pals when you swap trainers ???

[97lude]

Prizam said:

97lude said:

Drumroll said:

So why keep them in your car?

Went to a friends house on Saturday where a group of us got together, bought our trainers along and exchanged / traded with each other, didn't get a chance to bring them back inside, your honour.

You have got to be kidding right?

For some one who "set up a limited company with a turnover of approx £25-£30k pa" you sure do come across as a member of the traveller community.

You come across as a .

[97lude]

Pistonheads, where a judgemental group of old men completely miss the point that my car has been broken into and focus on the fact that I collect trainers, which apparently makes me a pik*y. Love it.

[Joeguard1990]

OP I feel your pain.

If you need any Jordans in a UK size 8 hit me up.

I love trainers just as much as I love cars, it's just one of things. Certainty doesn't make you a pi*ey as has been suggested.

[anonymous-user]

97lude said:

Pistonheads, where a judgemental group of old men completely miss the point that my car has been broken into and focus on the fact that I collect trainers, which apparently makes me a pik*y. Love it.

I may be old but as a point of order your car wasn't broken into. You left it open, or they got hold of your keys.



Anyway, I have tried to be helpful so, fk you.
Enjoy your footwear.

[skodaphile]

Hugo a Gogo said:

if these were all running shoes, report it to the police as a race-related crime

Theft committed by sole-less individual from a well heeled type? Certainly a limp story, the 'not-business' must have been started on a shoe string really. I'd tread carefully as you may put your foot in it.

Toe the line from now on.

[numtumfutunch]

97lude said:

Pistonheads, where a judgemental group of old men completely miss the point that my car has been broken into and focus on the fact that I collect trainers, which apparently makes me a pik*y. Love it.

Well my contribution was to suggest that you were in fact running a business despite what you say
Your use of the word "stock" to describe the gear wot got robbed kind of gives the game away

Home insurance and motor insurance do not cover business overheads - which is why you need business insurance

[97lude]

desolate said:

97lude said:

Pistonheads, where a judgemental group of old men completely miss the point that my car has been broken into and focus on the fact that I collect trainers, which apparently makes me a pik*y. Love it.

I may be old but as a point of order your car wasn't broken into. You left it open, or they got hold of your keys.



Anyway, I have tried to be helpful so, fk you.
Enjoy your footwear.

Tried to be helpful by accusing me of fraud? fk yourself fella, actually this may not be possible due to your age. I'm meticulous when it comes to locking my car. The same thing happened to my neighbour 6 months ago and a friend had his Merc stolen last year, both while the keys were in their possession so have you ever thought that this type of crime may exist? Maybe due your old age you're oblivious to the technological advances that have occurred in the last couple of decades.

[97lude]

Joeguard1990 said:

OP I feel your pain.

If you need any Jordans in a UK size 8 hit me up.

I love trainers just as much as I love cars, it's just one of things. Certainty doesn't make you a pi*ey as has been suggested.

It's a horrible feeling, I experienced the same disappointment a 10 year old having their Pokemon card collection stolen. Glad to see there are others who share my passion for trainers and thank you for your lovely gesture!

[anonymous-user]

97lude said:

Tried to be helpful by accusing me of fraud?

You have openly admitted that its business stock, fella.

Claiming on your home insurance in these circumstances is fraud, pure and simple. Loads of people do it and the chances of you getting a record because of it are minimal - so crack on.

But don't get all precious about it - I have tried to explain how best to get away with it - what more do you want?

If it isn't fraud - what is it?