Car stolen. Keys not secure. Insured?
Discussion
Hi guys
I've just been called upon to rescue a mate as he was stuck having had his car stolen.
Thankfully it's only his shed, that he uses for station duties and not his 997. Anyway, interesting situation I wanted to get the opinion of people on.
Mate drives his shed, loaded with tools, to his mother in laws house to do some gardening he has been promising forever. Empties car of tools and goes around the back of the house. Car is parked on the public road.
He placed the keys on the garden table at the back of the house and set to work in the corner of the garden about 8am.
Around 8:15 he hears his old pug 406 hdi engine spark up, it appears someone has come down the side of the house (semi detached) and lifted the keys and driven off.
Now, replacing it will cost him no more than £500 and it actually cost him £250 about 2 years ago. It was also due an mot and he was expecting to have to get the welder out. So ultimately it's no massive loss.
Question is, in this situation, what would the insurers say? Is it even worth talking to them? He's most certainly not prepared to lie to them for a few hundred quid. He's worried if he reports it to them then they might increase his premium?
I've just been called upon to rescue a mate as he was stuck having had his car stolen.
Thankfully it's only his shed, that he uses for station duties and not his 997. Anyway, interesting situation I wanted to get the opinion of people on.
Mate drives his shed, loaded with tools, to his mother in laws house to do some gardening he has been promising forever. Empties car of tools and goes around the back of the house. Car is parked on the public road.
He placed the keys on the garden table at the back of the house and set to work in the corner of the garden about 8am.
Around 8:15 he hears his old pug 406 hdi engine spark up, it appears someone has come down the side of the house (semi detached) and lifted the keys and driven off.
Now, replacing it will cost him no more than £500 and it actually cost him £250 about 2 years ago. It was also due an mot and he was expecting to have to get the welder out. So ultimately it's no massive loss.
Question is, in this situation, what would the insurers say? Is it even worth talking to them? He's most certainly not prepared to lie to them for a few hundred quid. He's worried if he reports it to them then they might increase his premium?
For the sake of a few hundred quid I honestly don't think I would be arsed. Surely it'll cost him more on his 997 insurance having to declare a theft regardless of reason over the 5 years.
What's the best he can hope for? Few hundred quid assuming he has no excess.
It would piss me off that some
decided to nick it but if all he has lost is the car I'd tell him to buy another shed and move on.
What's the best he can hope for? Few hundred quid assuming he has no excess.
It would piss me off that some
decided to nick it but if all he has lost is the car I'd tell him to buy another shed and move on.ianwayne said:
I presume he has reported it to the police? In which case he must inform the insurers even if he doesn't make a claim, which with the high excesses and potential loss on NCB, it may not be worth it.
I agree that they should pay out. If the keys had been in the car, NO.
Even if they didn't touch his NCB, any loss/claim/payout will affect his premium.I agree that they should pay out. If the keys had been in the car, NO.
I'd still report it to the insurer and the police.
Isn't the chap slightly concerned about the fact that a car still registered to him at his address and insured in his name could be being used for XZY??
It's going to a be fun when/if the unpaid fines, the speeding tickets, the picture of the get away car on crime stoppers start appearing.
It's going to a be fun when/if the unpaid fines, the speeding tickets, the picture of the get away car on crime stoppers start appearing.
aka_kerrly said:
Isn't the chap slightly concerned about the fact that a car still registered to him at his address and insured in his name could be being used for XZY??
It's going to a be fun when/if the unpaid fines, the speeding tickets, the picture of the get away car on crime stoppers start appearing.
Yep. He has reported it to the police already as it'll no doubt end up in some criminal activity. It ain't worth stealing for anything else. It's going to a be fun when/if the unpaid fines, the speeding tickets, the picture of the get away car on crime stoppers start appearing.
He is currently thinking of getting on the shed hunt tomorrow and then calling the insurer to switch over to his 'new' car. If they ask what happened to the old one he will tell, if not then he's just swapped shed's.
Do the police report stolen vehicles to insurance companies? If so and he has to report it to the insurance then the increase on the fun car will be expensive!!
telecat said:
He is in a Private garden so the person has entered the "premises" to steal the keys. I should imagine it's the same as sneaking into a hallway to steal the keys.
The wording is usually "violent and forcible entry or exit" so if they broke down a garden gate or fence to get them, gone. Same with the hallway, if they had to pick a lock or break the door down it's covered; if the door is unlocked and they can saunter in and saunter out then it's not covered (this is in terms of household theft cover, I'm not sure about the specifics of stolen keys).eltax91 said:
aka_kerrly said:
Isn't the chap slightly concerned about the fact that a car still registered to him at his address and insured in his name could be being used for XZY??
It's going to a be fun when/if the unpaid fines, the speeding tickets, the picture of the get away car on crime stoppers start appearing.
Yep. He has reported it to the police already as it'll no doubt end up in some criminal activity. It ain't worth stealing for anything else. It's going to a be fun when/if the unpaid fines, the speeding tickets, the picture of the get away car on crime stoppers start appearing.
He is currently thinking of getting on the shed hunt tomorrow and then calling the insurer to switch over to his 'new' car. If they ask what happened to the old one he will tell, if not then he's just swapped shed's.
Do the police report stolen vehicles to insurance companies? If so and he has to report it to the insurance then the increase on the fun car will be expensive!!
He doesn't have to claim but he'd need to notify it, if the car damages a third party vehicle even if he cancels the insurance the insurer may still investigate.
With regards to the keys being taken from the back of his mothers house the insurer would pay out, it's not reasonable for someone to forsee that someone would be brazen enough to carry it out.
It does happen but from an insurance perspective your friend's actions were reasonable
Edited by ZOLLAR on Friday 11th July 11:38
eltax91 said:
Do the police report stolen vehicles to insurance companies? If so and he has to report it to the insurance then the increase on the fun car will be expensive!!
Officially he should declare it when asked on any quote/policy, if the question is worded "have you experienced any incident that would give rise to a claim, whether claimed for or not" or words to that effect.
Report to police and DVLA with crime number for reference. Get road tax rebate.
Immediately cancel insurance policy as car is no longer owned by previous owner - and hope to god nothing has been hit in the ensuring high speed joy ride since being stolen for which he would be liable.
Go and buy something else for cash and forget about the whole thing (apart from maybe a loss of 250-500£).
M
Immediately cancel insurance policy as car is no longer owned by previous owner - and hope to god nothing has been hit in the ensuring high speed joy ride since being stolen for which he would be liable.
Go and buy something else for cash and forget about the whole thing (apart from maybe a loss of 250-500£).
M
MattStorey said:
Report to police and DVLA with crime number for reference. Get road tax rebate.
Immediately cancel insurance policy as car is no longer owned by previous owner - and hope to god nothing has been hit in the ensuring high speed joy ride since being stolen for which he would be liable.
Go and buy something else for cash and forget about the whole thing (apart from maybe a loss of 250-500£).
M
Pretty much sums it up nicely. Immediately cancel insurance policy as car is no longer owned by previous owner - and hope to god nothing has been hit in the ensuring high speed joy ride since being stolen for which he would be liable.
Go and buy something else for cash and forget about the whole thing (apart from maybe a loss of 250-500£).
M
panholio said:
Funny crime.
How would someone have known his keys were on the table at the back? That theif got lucky, what was he expecting to find down the back of the house?
The house is quite typical in as far as it's got a lovely little old lady in it, who bought it new in the 60's and now finds herself surrounded by LA tenants and a whole herd of those dependant upon substances. So presumably, some scrote was having a wander down the side of the to see what he could see and happened across the keysHow would someone have known his keys were on the table at the back? That theif got lucky, what was he expecting to find down the back of the house?
MattStorey said:
Report to police and DVLA with crime number for reference. Get road tax rebate.
Immediately cancel insurance policy as car is no longer owned by previous owner - and hope to god nothing has been hit in the ensuring high speed joy ride since being stolen for which he would be liable.
Go and buy something else for cash and forget about the whole thing (apart from maybe a loss of 250-500£).
M
Done all that except cancel the policy. It's on a multi car setup with his wife's. So he is off out shopping for a new shed as we speak and will change it with the insurer once he has one. Immediately cancel insurance policy as car is no longer owned by previous owner - and hope to god nothing has been hit in the ensuring high speed joy ride since being stolen for which he would be liable.
Go and buy something else for cash and forget about the whole thing (apart from maybe a loss of 250-500£).
M
Anyone with an estate shed in Leicester, PM me!!
HaloGen8 said:
MattStorey said:
Report to police and DVLA with crime number for reference. Get road tax rebate.
Immediately cancel insurance policy as car is no longer owned by previous owner - and hope to god nothing has been hit in the ensuring high speed joy ride since being stolen for which he would be liable.
Go and buy something else for cash and forget about the whole thing (apart from maybe a loss of 250-500£).
M
Pretty much sums it up nicely. Immediately cancel insurance policy as car is no longer owned by previous owner - and hope to god nothing has been hit in the ensuring high speed joy ride since being stolen for which he would be liable.
Go and buy something else for cash and forget about the whole thing (apart from maybe a loss of 250-500£).
M
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