Home insurance - Problems after possessions stolen
Who is your issue with?
Explains your rights to you
You'll find no legal jargon in our simple, comprehensive consumer rights sections. Our guidance is tailored specifically for every type of issue.
Helps you prepare your emails
We provide a wide range of flexible email templates for you to adapt to your needs – just slot in the specific details for your case, and in a few short clicks your issue will be ready to go.
Creates a case file for you
Your case file is a secure online location for all important documents regarding your issue. You can upload photos, tickets, copies of receipts or external emails from before you raised your issue with Resolver.
Lets you record all your communications
One of the most important aspects of a complicated issue is keeping a record of all your correspondence regarding the complaint – Resolver does this for you automatically.
Lets you know when to escalate your complaint
If you’re not satisfied with the initial response from the organisation you have an issue with, our escalation process will let you know when you can raise your complaint to the next level of seniority and, ultimately to an ombudsman or regulator, where appropriate.
When taking out insurance it’s a good idea to go through each room of your home and record all your contents with the current value. Having an inventory of your home contents will help you enormously in the event of any claim. You should make sure that your sum insured is sufficient to replace all the contents as new at current prices, with no allowance for depreciation and wear and tear. You might want to take photographs and log serial numbers of your ‘valuables’. ‘Valuables’ are items composed of precious metal or precious stones, jewellery, watches, furs, curios and works of art, computer equipment, money or portable electrical equipment other than televisions or radios, and these need to be specified on your insurance certificate in order to be covered up to a certain amount.
If you have made such an inventory then it will be easier to assess what has been stolen. You should inform the police and your insurer about these items. You will need to give this inventory to your appointed loss adjustor, who will mediate between you and your insurer throughout the duration of your claim. If the insurance claim is successful bear in mind that you will have to pay the excess you agreed when taking out the policy.
If there has been any damage to your windows/doors etc due to forced entry and you wish to claim for it on your household insurance, remember you will have to pay the excess and use a repair company approved by your insurer. It might work out cheaper to pay out of pocket to get the repairs done, rather than paying the excess. Be aware that by making a claim on your insurance, your renewal premium will most likely increase and you may lose any no claims bonus you have accrued.
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.
You should know
- If you’re making a complaint about making an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.
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.
Find the best rights for you
We have 5,148 pages of rights advice for you covering 6,933 companies and organisations across 17 public & private sectors. Feel free to browse companies for this specific issue - they're all listed below - but the quickest way to find the best rights for you is by using our unique Rights Finder to access our extensive database of advice.
Start by telling us the name of the company or organisation you have an issue with.