Home insurance - House broken into: nothing taken

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Based on resolver’s experience to date, even if nothing is stolen, being broken into is a stressful and unnerving event. If no items have been stolen then there is nothing to claim from your contents insurance. However, if the forced entry resulted in windows, doors or locks being damaged you could claim on your household insurance. Be aware that you would have to pay your agreed excess and use a repair company approved by your insurer. Depending on the damage, it might work out cheaper to pay out of pocket to get the repairs done, rather than paying the excess and losing any no claims bonus. Also note that by making a claim on your insurance, your renewal premium will most likely increase too.

Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.

If you cannot resolve your issue you cannot raise your case to the Ombudsman until 8 weeks after you have first raised your complaint with your supplier, or you have received a ‘letter of deadlock’ from the company stating that they cannot resolve the issue as you have asked. Your complaint must also not be older than 9 months. For an accurate decision by the Ombudsman you should provide a detailed file of your communications and supporting documentation. In addition make sure you explain what you want as an outcome as this will help assess your case.

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