Proof of ownership and like for like replacement

[k8bailey]

I have now contacted the insurance co. (direct line) following a burglary at my home. I'm now being asked to prove I owned the items I'm claiming for, fair enough, but what kind of proof do I need to provide? I don't have recipts for all of it. I have photos of most of the items, would these be any good? The items stolen were mostly electrical, Ipod, cameras & laptops

Also insurance want to replace items 'like for like' but my mum bought me a new laptop same day as the burglary, and my partner has bought me a new camera, so I'm really not interested in having replacement items of those two, can I refuse them and ask for cash?

Sorry if these seem like strange/silly questions but I've never been through this before.

[joko]

well if she only just bought it, she will still have receipts...

was it for your birthday?

[ummmm]

Photos should be fine if you don't have receipts. My insurance company accepted a picture of me wearing the jewellery that had been stolen.

Show them the receipts for the new camera and laptop....they 'should' give you the money.

[joko]

they may doubt your mum would buy you an expensive laptop just 3 weeks before xmas for no reason you see...

[ABerrant]

I read it as the laptop having been bought as an immediate replacement for the stolen item.

[k8bailey]

yeah sorry for confusion - laptop and camera were bought to replace stolen items....well, the camera will be my bday pressie in 3 days!

Thanks ummmm, I suppose I can always sell the items if they won't give me the money but it's just added hassle.

[bednobs]

They don't have to give you the cash, but you can ask. When they are replacing electrical items, they usually have a preferred supplier w have preferential rates with

[k8bailey]

thanks bednobs, I'd be really pleased if they could replace the other items but as the other things were all a bit older I'd be surprised.