yoza

.......to leave the keys in the ignition of your car, which was parked on your drive.

Then run back into your house to check you have turned the grill off, only to return to your car to see some **** wheel spinning off down the road.

Would your insurance pay out, bearing in mind you were also stupid enough to tell the arriving officer that you indeed did leave the keys in the ignition, which he then wrote down on a statement which you then signed.

Lets say your insurance company was Hastings and you had 9 years business with them and never made a claim.

Hastings would like to send a rep to see you on Monday, and he is yet unaware of the of the 'key in the ignition' slight oversight.

What would you do, and more importantly do you think Hastings will payout for the loss.



PS. The grill was off.

SteveScooby

iTrader: (2)

Don't lie to them because they will check with the police what the circumstances were. Tell the truth and hope for the best, don't like your chances though to be honest

+Doc+

You are, as they say, ****** (if it's you)

apples24

iTrader: (1)

i think your fooked mate what car was it?

hodgy0_2

mmmm --when I filled out my insurance cover on my scooby i ticked the bit on the form saying I had both sets of keys, (which I have) but I since realised that I should have said no (my premium have been agreed by then) because if I had said I only had the one set -- and the above happend (I too am stoopid like that) as long as I didn't tell the police -- that is stoopid

I could send them the "keys" (my second set) as proof that I did not have them in ignition

Spooky Mulder

Your insurance terms and conditions will state that you must take all reasonable measures to protect your property from theft.

So, tell me. Does this sound like all reasonable measures?

BOB.T

Unlucky

MattW

If you have your house insurance with them too, they may well look at it as the lesser of the two payouts

GC8

Id suggest that this fellow was mistaken and that the keys were on the side in the hallway. This fellow would then be covered; unlike the fellow who left his keys in the ignition. Itd be an easy mistake to make; running in and putting your keys down, without shutting the door properly.

craigwint11

IIRC you car is only covered for theft if it is locked etc.
The reason i say this, is i returned home from work one day to find my car on the drive with a broken back window. I immediatly rang the insurance to get it replaced. They told me to take it to rac the following morning (it was after 7 when i rang), and to store it in a v safe place over night, as if it was stolen between my phone call and the folloing morning, they would not pay out due to it not being left in a fully secure manner!
Just another way fo them to avoid payouts i suppose, but at least they told me!

I really hope they do pay out, but id be supprised.

Craig

yoza

GC8 if this chap was thinking on his feet he would have said to the arriving officer, (who turned up 4-5 mins after the car was taken) the keys were taken out of the hall, but unfortunatly he didnt.

He said what he said and later signed a statement from the officer to get his crime ref number which said the keys were in the ignition.

So the keys in the hall story is a bit fooked up.

The chap is going to tell the insurance guy when he turns up on monday that the keys were in the ignition, as a deviation from the Police statement would be fraudulent......if he could possibly get away with lieing believe me he would, the chap is still well peed off and looking for more advice.

The car has not yet turned up, and neither has his house keys, drivers license, DVD player, baby seat, wallet, and full tank of fecking fuel.

The house locks have been changed, and bank cards cancelled.

Anymore for anymore?

David_Dickson

Unless you can somehow retract the police statement, you are boned.

If you can retract it (doubtfull imo), then the keys were definately taken from the coffeetable werent they? either that or 3 ruffians wrestled them from you didnt they? Either way, dont blab about it on the internet. This is fraud afterall, and admitting to planning it in public isnt wise.

MickWrx

I think your mate is well how to put it screwed! as has been said, he can not change his story due to the signed statement ouch! and keys in the ignition is as a norm a non pay out error.

somebody I know did the all ready covered story of starting his car up in the morning to defrost it, while he went back in the house for his work gear (seriously not me) when he came out his car was driving down the street (no no really was not me) he phoned his insurance whom said the likelihood of a settlement of any kind was unlikely due to negligence.

This had a happy ending however as his car was found in a bordering region 5 days later undamaged.

good luck to your mate!

yoza

QOUTE " Unless you can somehow retract the police statement, you are boned.

If you can retract it (doubtfull imo), then the keys were definately taken from the coffeetable werent they? either that or 3 ruffians wrestled them from you didnt they? Either way, dont blab about it on the internet. This is fraud afterall, and admitting to planning it in public isnt wise. " UNQUOTE




This chap has left the keys in the ignition, told the Police he had left the keys in the ignition, and signed a statement to say he has left the keys in the ignition, and is also planning to tell the insurance guy he left the keys in the ignition.....THAT HARDLY FRAUD IS IT !

PS. You owe me a new screen for my laptop, I will PM you the laptop make and model and my address. Thanks

PaulC72

The insurance company will ask for both sets of keys it happened to a person at work {not left running on the drive but just stolen}

They assume that both sets of keys would be proof enough that you didn't leave it running.

But heres one for you to also ponder...

I have a keyless entry and push button start on my Astra twintop, so I can start the car on say frosty mornings, leave it running and still have both sets of keys {in fact I have 2 fobs and 1 key}now how would the insurance deal with that scenario?

After all I could produce both fobs and the emergency key... sorry for changing the direction of the original topic but seeing this thread made me think about the keyless scenario too.

J4CKO

iTrader: (1)

Sorry, does not compute, Yoza a victim of crime ?

Sorry to hear about the motor mate, really, but I was expecting getting to the bit where you use your contacts to have a word and it turns up with a written apology, full tank of juice sweets for the kids, flowers for the missus etc, but there is still a Reservoir Dogs Style talking to that needs doing.....

stevebt

iTrader: (8)

Its not as though he left it running on the road, surely the fact they have came onto his property to thieve the car might have some bearing ??? It doesn't sound anyworse than someone taking a set of keys from an unlocked house ????

speedking

You said that the keys were in the ignition and you were dragged from the car and it was stolen. Then you went in the house to phone the police. In the shock of the moment the policeman has got the sequence of events slightly wrong on the statement and you didn't notice when you signed it.

A longshot in the dark admittedly

Timwinner

iTrader: (3)

With regards to the statement, You can retract a statement from the police, they will come and take a retraction statement. That part wont be an issue.
IMO this wont go to court so dont worry about the statement to much, If they caught the tea leafs and it went to court you need to consider the accuracy of your statement.

With regards to the insurance, If the keys are in the vehicle and its taken you are very unlikely to get a payout.
If you decide that wasnt what happened and it was stolen by force or the keys taken from the house then make you sure you are accurate with your account.

I cant suggest you lie but be aware of the situation you are in.

zs_phil

iTrader: (1)

i agree with above ,i often think about this situation when i put the car in the garage as i have to open it ,easier to get out open garage and get back in and reverse into it than turn it off then turn it back on

Nurse Gladys

Not that long ago I knew someone that did the exact same thing with a brand new Discovery - went back into the house, leaving it running.

She was paid out in full - I think there is something in the private driveway vs roadside arguement.

I would not recommend changing the story in any way, as the records from the police are likely to be checked.

Are there gates on the driveway that ''may'' have been closed? Resonal attempt to secure?

Good luck!

yoza

The car has been found in Netherton 4 miles from where it was taken.

Not by the Police..

The Police will take it away and mind it for £250, bless them.

The chap has opted to take the car home, its now on the same drive, blocked in with the second car.

The Police want to fingerprint it tommorow, the robbing ***** still have the keys and fob and know where it is....Hmm

It still has a full tank of fuel, it did have a small crack at the base of the windscreen which is now right across the screen.

It is covered in mud, and was seen going over speed bumps at 70+.

Other than that it looks OK, but it is dark and covered in mud, it drove OK home.

Everything is still in the car including the wallet and cards.

Only thing missing is the car keys fob/house keys.

What to do now?

Sonic'

Sorry to hear that Yoza

I spoke to Liv Vic a while ago (when insured with them) and asked about the scenario if I couldnt produce the keys as they would be in the car (in a grab style) and they said they would actually pay out, as at the end of the day, the car was still stolen, or probably more likely to be a TWOC

Sonic'

When the police fingerprint it, and (hopefully) get an ID, you know what to do

hodgy0_2

years ago my friend got a dodgy neighbour "steal" his old RD125 motorbike everything went fine -- all paperwork fine etc, Insurance co accepted the claim blah blah blah

then a loss adjuster turned up -- to ask a further few questions, and boy my friend said he was sh1tting himself, just the way the guy asked about his movements before, after etc -- he said he would never do it again

the moral of the story was that you need to get it so straight that even you believe it!!!

yoza

The car is now being moved to another address, and put in a garage.

Incase said thieving ***** come back and either go for it again or try to burn it outside the chaps house.

The Police can see it at that address.

Hastings is shut so cant ask them for advice.

stistussy

what car was it?

David_Dickson

My point was that if you were to change the statement as I (and a few others) suggested, that would be fraud. Obviously telling them the truth isnt.

Its possibly irrelevant now the car is back anyway. I would suggest giving it a good wash tomrrow to check for body damage, and getting wheel alignment and suspension joints thoroughly checked before deciding what to do. Them still having the keys is the most obvious problem - If its an older car, a new/secondhand lockset could be bought cheaply enough, but anything newer is likely to have a transponder chip in the keys to deactivate the immobilser. Replacing the locks often becomes very expensve as the cars security system will need to be reprogrammed (often by the main dealer) to accept the new keys.
Depending on cost and you home insurance cover levels, this might be covered as a simple case of lost keys.

yoza

The car is 3 years old.

The chap is ringing his insurance and the Lexus garage tomorrow to explain the happenings and he is hoping that they will foot the repair bill for any damage and replace the lock and fob set for the price of his excess....we shall see.

After all he has done the spade work and recovered his own vehicle, alright he was daft to start with, but surely it is still theft/criminal damage anyway.

He now doesnt want the car and wants to chop it in for another, so he will be mooching around the Dealers showroom tomorrow.