Insured ? Keys left in house door !

[Ocdbeemer]

Thoughts / comments.

After returning home late, the house keys were left in the door lock. This included the car keys. In the early hours of the morning the car was driven off. The car key was removed from the key ring and the house key was left in the house door lock.

Car was found, potentially written off !

What do you think the insurance company will make of this ?

[Kitchski]

I wouldn't get your hopes up regarding a payout!

[WinstonWolf]

Just to clarify, keys inside or outside?

[Magic919]

Have a read of your policy. See what it says about keys specifically. Hard to argue you didn't contribute to the outcome.

[rallycross]

I would suggest you say the car keys were in the house and the thief opened the front door and took the keys.

[Ocdbeemer]

Outside

Should have said, it's not my car. The owner thinks it's covered as the keys were "stolen" ?!

Edited by Ocdbeemer on Sunday 6th April 16:56

[Blue Oval84]

I'm sure that you mean she must have left them inside the house in the lock, which would make it a clear-cut burglary.

If she really had left them outside in the lock, in full view of the street then I imagine the insurers wouldn't pay?

[Ocdbeemer]

Blue Oval84 said:

I'm sure that you mean she must have left them inside the house in the lock, which would make it a clear-cut burglary.

If she really had left them outside in the lock, in full view of the street then I imagine the insurers wouldn't pay?

I like your assumption "she" ..... You are correct though !!

[Blue Oval84]

Ocdbeemer said:

I like your assumption "she" ..... You are correct though !!

I actually read your OP as a bit of a skim and for some reason thought I'd read the word "wife" somewhere (and assumed it was your car), but I think my comment still stands lol

[skeeterm5]

rallycross said:

I would suggest you say the car keys were in the house and the thief opened the front door and took the keys.

The thread reads like the keys were outside, as per follow up post by OP. Do not get your 'friend' to compound the issue by committing fraud too.

[steve2]

I would have thought the police have already been told the keys were in the door n the outside, is it a newish car ?

[Ocdbeemer]

skeeterm5 said:

The thread reads like the keys were outside, as per follow up post by OP. Do not get your 'friend' to compound the issue by committing fraud too.

The insurer has been informed as per the OP.

[steve2]

http://www.financial-ombudsman.org.uk/publications...

This may be of some assistance

[Ocdbeemer]

steve2 said:

I would have thought the police have already been told the keys were in the door n the outside, is it a newish car ?

Assumed so. Yes. Worth £18k ish.

[Driver101]

I think you have to take reasonable care of the keys to be covered.

I think you will struggle badly to have your claim covered.

Feel sorry for you.

[AMST09]

Depends on the insurance company, some won't even cover you if your keys are "fished" through the letterbox as there is no forced entry

[rallycross]

steve2 said:

http://www.financial-ombudsman.org.uk/publications...

This may be of some assistance

Interesting link.
I wonder how often they have claims like this I'd guess it's quite common and they will always say no in the first instance.

£18k will be a very painful mistake.

[HaloGen8]

Awful situation OP. Sure many of us reading this have left the keys on the outside (battling with shopping/ pushchair etc)

Suppose it comes down to the moral thing of being honest with your insurer.

Tell a porkie and you may get paid out. But get caught and you're in the poo.

Tell the truth and you could essentially be kissing the car good bye. If there's money outstanding on it (?) that's a real st place to be.

Good luck.

Edited by HaloGen8 on Sunday 6th April 17:24

[Cliftonite]

Why have car and house keys on the same ring?

[Jezzerh]

Cliftonite said:

Why have car and house keys on the same ring?

Obvious. So you only have to remember to keep one item safe when you get home after a late night... oh.