Insurance claim

[Sumie53]

Someone pls pls help me and give me advice. I had my car stolen off my drive in Dec 22. I told my insurance exactely what happended and they rejected my claim. I was told that the keys were in the car when the car was taken and that I was neglegent. I need to know if there is a broaden term to the word neglegent and is there a way that I can have this claim reveresed. I have not car and out of pocket for £17000.00. Pls give me some advice as to where I can go from here

[redcrx]

were the keys in the car? did the thief have the keys?

[fadeout73]

http://www.swiftcover...buyersguide/claiming/

I have heard that if I leave my keys in the car then I am not covered on my car insurance. Is this true?
Yes, that is correct. If you leave your keys in your car even if it is only to pop out and pay for your petrol or drop off a letter and your car is stolen, your car will not be covered. So remember always to take your keys with you or make sure someone stays with the car or it could prove an expensive couple of minute

[Sumie53]

Becasue of the cold weather in Dec I was outside for a few mintues cleaning the snow off the car and I was warming up the car. My daughter was in the patio. I went inside for a second to pick up my bag while my daughter stayed in the patio and the thief jumped in, reversed the car and drove off.

[redcrx]

Im not sure what you can do then, perhaps speak to the insurance ombudsman.

[alexanderd]

I dont think you have got a hope, leaving the keys in the car is just asking for trouble

[redcrx]

i think most of us agree that youve not got a chance.
But the insurers would normally give you details of any appeal procedures if you ask them.

[Sumie53]

Thank u all for yr help and advice. Really appreciate it.

[bookbinder]

It looks as though, if the keys really were in the car, your insurance company is in the right to reject your claim.
My dictionary defines "negligent" as: guilty of failing to provide a proper or reasonable level of care.
My car insurance policy says, under Fire and Theft, that what is not covered by the policy is: loss or damage caused by theft or attempted theft if the keys are left in the unattended car.

[jake-the-peg]

I think you're unlikely to get this reversed but if I were you I'd try to claim that you weren't negilgent because your daughter was minding the car ( you don't say how old she is )

Does your policy specifically exclude claims if the car is stolen withthe keys? I think that's becoming common.

[Sumie53]

My daughter was in the patio minding the car and she is 16. It was really freezing cold for her to go outside minding the car.

[vivandorron]

If your daughter was keeping an eye on the car and was unable to stop the thief, you may have a case for appealing against the Insurers decision. Perhaps you daughter became too frightened to challenge the thief.!!

Perhaps the following will clarify the legal position.:-

http://www.financial-...ance-keys-in-car.html

Ron.

[redcrx]

Whats "in the patio" if not outside?

of course, its not going to look odd if you change your statements now is it???

[Sumie53]

The patio is the little room before u enter the house. No am not changing my statement. Its consistant with the police and with the insurance.

[squarebear]

Did your daughter not say or do anything when she saw someone trying to get into your car?

[ummmm]

So she was in the porch? I don't think you have a leg to stand on tbh.

[Sumie53]

it was in the evening 7.15 pm. It happened really quickly. It was a 22 Dec, a few days before Christmas and the streets were in darkness. She was in shock when she saw the car moving backwards.She said she did not see anyone becasue of the dark night.

[squarebear]

Sorry but I don't think you have much of a case here.

[jake-the-peg]

Having read vivandrons link to the financial ombudsman's page I'm a bit more hopeful that you might have a case.

I think you will need a lawyer though - I don't think they'll roll over on a £17,000 claim on a stiff letter or a stroppy phone call