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insures wont pay
had my car stolen vw golf2003 insures say it needed key to be driven yet i have both keys and they wont pay for damage done where do i stand
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If you have reported it to the police and it has not been found, if you have both sets of keys, then it has been stolen. Write to the company giving the crime number the police issued you, insist you still have the keys and ask to start the complaints procedure. You may have to go all the way to the ombudsman but you should have success.
Keep copies of all correspondence.
Keep copies of all correspondence.
Sorry to be negative, but I somehow doubt this is the full story.
I do not throw out claims on that basis alone - it is incredibly unlikely that the car was taken without the keys due to the security system - obviously it cannot be ruled out that the car was not taken on a lorry.
The fact that it was recovered speaks volumes to me - I strongly suspect that there was no theft related damage (i.e all locks and ignition intact with no damage). If this was the case, then the car was last driven with the key.
I throw out 10 to 20 of these a month where people have blatantly been drink driving, or have crashed the car on TPF&T cover and pretended it was stolen to claim.
The fact that you have both keys is not sufficient evidence to repudiate - do you have correspondence with their exact reasoning for refusing the claim?
I do not throw out claims on that basis alone - it is incredibly unlikely that the car was taken without the keys due to the security system - obviously it cannot be ruled out that the car was not taken on a lorry.
The fact that it was recovered speaks volumes to me - I strongly suspect that there was no theft related damage (i.e all locks and ignition intact with no damage). If this was the case, then the car was last driven with the key.
I throw out 10 to 20 of these a month where people have blatantly been drink driving, or have crashed the car on TPF&T cover and pretended it was stolen to claim.
The fact that you have both keys is not sufficient evidence to repudiate - do you have correspondence with their exact reasoning for refusing the claim?
So the car has been recovered, and the window was smashed?
If there was no damage to the ignition barrel/wiring, and the steering lock was intact, then this would be grounds to refuse the case on the basis that the car has most likely been driven with a key.
Not saying this is not a genuine claim as I obviously do not have the full facts, but if the above is the case, then the ombudsman is unlikely to overturn the decision.
However, if there is evidence of ''hotwiring'', then you have a stronger case here.
If there was no damage to the ignition barrel/wiring, and the steering lock was intact, then this would be grounds to refuse the case on the basis that the car has most likely been driven with a key.
Not saying this is not a genuine claim as I obviously do not have the full facts, but if the above is the case, then the ombudsman is unlikely to overturn the decision.
However, if there is evidence of ''hotwiring'', then you have a stronger case here.
From what gouldc says, if you own a Golf, it is not worth having theft insurance.
If it is stolen, any insurance company will claim that it could not have been taken without the key. And if the thief did get hold of your key and steal the car � they could claim that you were negligent in letting the thief have access to the key.
I�m sure if the insurance industry offered �10,000 to anyone who could steal a Golf without the original keys or signs of damage to the wiring/ignition barrel, they would have an army of successful applicants.
If it is stolen, any insurance company will claim that it could not have been taken without the key. And if the thief did get hold of your key and steal the car � they could claim that you were negligent in letting the thief have access to the key.
I�m sure if the insurance industry offered �10,000 to anyone who could steal a Golf without the original keys or signs of damage to the wiring/ignition barrel, they would have an army of successful applicants.
I bought the car 3 years ago second hand it has been in2 garages for mot and garages for servicing and who knows what before i bought it it is feasible that there may be other keys about, also the police told me that two little so an sos have just been released from prison and are back and this looks like their work
So you should ask the police why they think that, and what evidence they have of other cars being taken in this way & apparently driven with a key.
If the police are able to help with information of this kind then it should help you get your claim accepted. Certainly don't give up - go to the Ombudsman if you have to.
If the police are able to help with information of this kind then it should help you get your claim accepted. Certainly don't give up - go to the Ombudsman if you have to.
Yes Hymie - nice sensible response there.
My point there, had you read it, was that if there is no theft related damage, then the car is most likely to have been driven with a key - if the keys are in the possession of the owner, the most likely scenario is that they have crashed it ****** - this is what I see all the time.
If a car is not recovered, then the car could have been uplifted, or anything else - it's the recovered theft's that we can obtain evidence about.
We're fully aware of the equipment out there that prestige vehicles are stolen with, but the cost of the equipment is so high, that with all due respect, they would not waste the time, money, resources, nor take the risk, to steal a 2003 Golf - they use them to remove new Mercs, BMW's, etc.
I have attended plenty of police conferences, and also spent time with the MET stolen vehicle squad, and from my previous work in various dealerships, know what can and cannot be taken without the keys, and what evidence will be left if a car is genuinely stolen without the keys.
If the insurer is simply relying on the manufacturer stating that the car cannot be taken without the keys, then they are idiots. If there is more evidence, as I have outlined, then it is very likely that the FOS will back the insurers.
I have personally refused claims where we have had confirmation from the manufacturer that the car cannot be taken without keys (in writing) and the FOS have supported us.
I just don't feel all the reasons for refusing this claim have been presented. if they have, then this claim will get dealt with in the long run.
My point there, had you read it, was that if there is no theft related damage, then the car is most likely to have been driven with a key - if the keys are in the possession of the owner, the most likely scenario is that they have crashed it ****** - this is what I see all the time.
If a car is not recovered, then the car could have been uplifted, or anything else - it's the recovered theft's that we can obtain evidence about.
We're fully aware of the equipment out there that prestige vehicles are stolen with, but the cost of the equipment is so high, that with all due respect, they would not waste the time, money, resources, nor take the risk, to steal a 2003 Golf - they use them to remove new Mercs, BMW's, etc.
I have attended plenty of police conferences, and also spent time with the MET stolen vehicle squad, and from my previous work in various dealerships, know what can and cannot be taken without the keys, and what evidence will be left if a car is genuinely stolen without the keys.
If the insurer is simply relying on the manufacturer stating that the car cannot be taken without the keys, then they are idiots. If there is more evidence, as I have outlined, then it is very likely that the FOS will back the insurers.
I have personally refused claims where we have had confirmation from the manufacturer that the car cannot be taken without keys (in writing) and the FOS have supported us.
I just don't feel all the reasons for refusing this claim have been presented. if they have, then this claim will get dealt with in the long run.
You can get some useful advises regarding your problem from this site for sure. Check out the Personal Accident Cover plans in insurance from this site for more details.
http://insurance-plan-guide.blogspot.com/
http://insurance-plan-guide.blogspot.com/
I have read of instances of car theft from theft proof cars!
The manufacterer swears blind it is not possible to steal them but it is obvious to those that have had them taken and to the ones who steal them that this is not the case. I think a while back they even did it on a tv programm (or was that me dreaming?)
The manufacters do actualy lie you know, or is it cover up the truth when a giant conglomerate is concerned?
The manufacterer swears blind it is not possible to steal them but it is obvious to those that have had them taken and to the ones who steal them that this is not the case. I think a while back they even did it on a tv programm (or was that me dreaming?)
The manufacters do actualy lie you know, or is it cover up the truth when a giant conglomerate is concerned?
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