Am I insured if...

[Nightmare]

Someone walks up to me with a gun/knife/large haddock etc and tells me to hand over the keys...which I then do without further protest? (haddock can be scary)

just intrested if Insurance Co.s are likely to try and wriggle out of this sort of thing?

[spnracing]

Thats robbery as opposed to theft - isn't it?

[robp]

Probably best to check with you insurers.

My flatmate got a taxi home one night but did not have any money on him. He went inside his house to get some cash and the taxi driver madr him leave his phone to make sure he didnt do a runner. The taxi driver then drove off with the phone.
Phone company would not pay - they claimed it was not theft because he had "given" the taxi bloke the phone! Great insurance isn't it!

[madcop]

If someone threatens you, puts you in fear of violence before stelaing or uses violence at the time in order to steal from you, then that is robbery.

If you are robbed of your car, you will be covered by insurance under the theft part of the policy.

[mike buley]

If you are robbed of your car, the insurance company will insist on a crime reference number. This is what you get when the incident is recorded on a 'crime 1 form' at a police station.
Which will probably go alongside a section 9 statement of evidence from yourself relating to the incident.

[loaf]

Someone walks up to me with a gun/knife/large haddock etc and tells me to hand over the keys...which I then do without further protest? (haddock can be scary)

just intrested if Insurance Co.s are likely to try and wriggle out of this sort of thing?

It is a requirement of motor insurance policies that you take all *reasonable* care to ensure your car is not stolen. It is unreasonable to expect you not to give up your keys under threat of violence. Assuming that theft is covered under your policy, you would have a valid claim.