ChatterBank0 min ago
insurane require receipts
Hi my house was broken into and items stolen i have no receipts for items stolen adding up to around �1800 do i have any chance of a claim thanks in advance to any answers..Dave
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Have you reported the break in to the police and got a crime number - this is essential.
Insurers attitudes vary - do you have any pictures of thestolen items - boxes they came in; instruction manuals - these could be used to prove ownership and might be acceptable to the insurer?
Quite a few retailers can confirm purchases using your name and postcode - I have used this for electrical items when I could not find the receipt and they were still under warranty.
There is a principle in insurance called "utmost good faith" which basically means each party accepts the other is honest and each partyy acts honestly to the other -but it is a two way street - and there has been so much insurance fraud recently that insures have to protect themselves (and policyholders premiums)by requesting as much documentary evidence as possible - if the items were fairly new and expensive I would be suspicious if you had not got receipts - but if we were talking about a 10 year old TV it would not be reasonable to expect you to have kept them.
Adopt a positive non threatening attitude - negotiate and hopeflly they will respond in a similar manner.
Good luck
Insurers attitudes vary - do you have any pictures of thestolen items - boxes they came in; instruction manuals - these could be used to prove ownership and might be acceptable to the insurer?
Quite a few retailers can confirm purchases using your name and postcode - I have used this for electrical items when I could not find the receipt and they were still under warranty.
There is a principle in insurance called "utmost good faith" which basically means each party accepts the other is honest and each partyy acts honestly to the other -but it is a two way street - and there has been so much insurance fraud recently that insures have to protect themselves (and policyholders premiums)by requesting as much documentary evidence as possible - if the items were fairly new and expensive I would be suspicious if you had not got receipts - but if we were talking about a 10 year old TV it would not be reasonable to expect you to have kept them.
Adopt a positive non threatening attitude - negotiate and hopeflly they will respond in a similar manner.
Good luck
Yes gave them crime number only receipt iv found is for the laptop,Digital camera iv no proof as brought over 3 years ago and nintedo ds no proof of purchase.Thats all their asking other bits and bobs they did not want proof well i dont think so anyway its frustraiting really iv never had to do this kind of thing before but i can understand why the insurance need proof..
You can get some ideas to claim for Insurance from this site for sure.
http://insurance-plan-guide.blogspot.com/
http://insurance-plan-guide.blogspot.com/
dave, bit different but i had a claim after having a bag stolen in barcelona.
as it had 2 mobiles in it, plus sunglasses, cash, ipod etc, i thought i was stuffed.
i found old credit card receipts for a couple of things, and manuals, instructions for the i-pod, and the only thing i had for the sunglasses was a pic og me on holiday (funny i know) but they were oakleys and cost me nearly �100.
they paid out on the strength of that (bet that pics on their wall now though as a 'mug shot' lol).
have you got any ds game receipts, or manuals etc ? maybe you bought the kids pressies for xmas on a card, which may be enough to convince them.
Bit late now I know, but I always stack em up and take a few pics of the kids wii and DS games just incase
as it had 2 mobiles in it, plus sunglasses, cash, ipod etc, i thought i was stuffed.
i found old credit card receipts for a couple of things, and manuals, instructions for the i-pod, and the only thing i had for the sunglasses was a pic og me on holiday (funny i know) but they were oakleys and cost me nearly �100.
they paid out on the strength of that (bet that pics on their wall now though as a 'mug shot' lol).
have you got any ds game receipts, or manuals etc ? maybe you bought the kids pressies for xmas on a card, which may be enough to convince them.
Bit late now I know, but I always stack em up and take a few pics of the kids wii and DS games just incase
Hi thanks for the reply.Iv now sent my information into the insurance for laptop got copy of receipt from shop and found manual for digital camera thats it.If i get some thing back its a help thanks for the info if anything has come out of all this i will keep information about my house hold goods and anybody reading this do the same it will save you should they go missing..Thanks Dave
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