Im a council tennant, not quite sure if i can get the locks changed for free. I will find out tomorrow, however need to know whether if i have to pay, can i claim off my house insurance. Will i need any crime or incident number from the police to able to make a claim?
2006-11-20 06:36:21 · 7 answers · asked by lonely as a cloud 6 in Business & Finance ➔ Insurance
Losing your keys is not a crime or an incident!! I seriously doubt they're going to change locks everyt ime someone loses their keys.
House insurance won't cover, for two reasons - "oops I lost the keys" isn't a covered peril, although on a few high end policies, if your keys are STOLEN (with other things), then it might pay to replace your locks.
The second reason is, the policy has a deductible - which is more than the cost to replace the locks.
2006-11-20 14:44:05 · answer #1 · answered by Anonymous 7 · 1⤊ 0⤋
Normally you can claim if they have been stolen but not if you have just lost them unless you have this clause in your policy, depends on what your policy says BUT most policies have an excess anyway, normally you have to pay the first £50-£100 sometimes even £200 so would make claiming pointless (unless you have lots of expensive locks). Read your policy very carefully or phone your insurance company to clarify. It is always a good idea to inform the police that your keys are missing. You will need a reference number if they are stolen, because this is a crime and should someone gain entry using your keys and then rob you - you will have proof that the keys have been stolen.
Also bear in mind that a claim may mean that your insurance costs you more in the future. Depending on the type of lock it might be easy for you to change them yourself - yale locks are a doddle as its only the barrel you have to change.
2006-11-20 06:42:22 · answer #2 · answered by Anonymous · 1⤊ 1⤋
Yes they do, go get your money :)
I am glad I was of help!
RE:
Can i claim off my house insurance if my keys have gone missing?
Im a council tennant, not quite sure if i can get the locks changed for free. I will find out tomorrow, however need to know whether if i have to pay, can i claim off my house insurance. Will i need any crime or incident number from the police to able to make a claim?
2015-07-13 23:11:39 · answer #3 · answered by Anonymous · 9⤊ 0⤋
It depends on the terms of your policy so you would need to read your insurance documents or give them a call first thing to clarify.
If you hace accidental damage insurance or away from home cover you may be able to claim.
The problem is you need to check your excess as it may not be worth it.
If cost is £110 for example and you have an excess on your policy of £100 there is little point claiming as they will only pay out £10 and you will loose any no claims discount you may have acquired.
2006-11-20 06:42:38 · answer #4 · answered by angie 5 · 1⤊ 1⤋
If you do have to pay for the new locks I think it may be cheaper for you in the long run to buy the locks without claiming on your house insurance. Your policy may have an excess for any claim, weigh up which is going to be cheaper for you.
2006-11-20 23:23:22 · answer #5 · answered by JOANNE C 3 · 1⤊ 0⤋
whilst a vehicle is stolen, an insurer won't in many circumstances pay out in finished for the vehicle till it particularly is been lacking for no less than 28 days. that's to grant the police time to discover the vehicle because it extremely is obviously extra low priced in maximum situations for the insurer to repair a recovered vehicle than it extremely is to replace a stolen one. As such, the vehicle on no account grew to become the valuables of the insurer as you weren't paid out the whole fee of the vehicle. subsequently, all the insurer is obliged to do is to repair you to an analogous financial place you have been in formerly the robbery via repairing your vehicle. they have an criminal duty to all their different shoppers to handle the declare as affordably as available to maintain their rates to a minimum and in the event that they have been to pay you out for the whole fee of the vehicle whilst they don't could desire to, it does not be in the superb hobbies of the different shoppers. Any restoration that's performed via an insurer has to fulfill protection standards, and be signed off via the insurers own vehicle examiners, so which you would be able to relax assured that the vehicle would be risk-free. If something, it could desire to be argued that the vehicle would be extra secure than it grew to become into formerly using fact the examiner tests each little thing, and there could be products checked that would otherwise have long gone unchecked. Even an entire service and MOT does not contain each little thing on the vehicle. It additionally ability that any aspects they do replace would be new while earlier they could have been used, so if something, it extremely is in all probability to be longer formerly you're able to elect to replace those aspects. Sorry, i realize it particularly is not what you wanted to pay attention, yet there is no way around it.
2016-12-29 06:36:26 · answer #6 · answered by melvina 3 · 0⤊ 0⤋
Contents insurance usually includes cover for loss of keys.
You will need to report the keys missing to the police and get a police ref no.
The cover is usually £250.
2006-11-21 00:44:18 · answer #7 · answered by duncanjfield 2 · 1⤊ 0⤋
it depends on your deductible! Why would you? call a lock smith and have them re-key the locks. It will cost some but most have a $500 deductible before home-owners would pay in any case. The lock smith will never be that high! lol
2006-11-20 06:40:55 · answer #8 · answered by golferwhoworks 7 · 1⤊ 1⤋
On most policies only if they have been stolen and reported to police. Sometimes not worth it anyway because of the excess !!
2006-11-20 06:38:47 · answer #9 · answered by lilac_filly69 1 · 1⤊ 1⤋
MYNAMEISDUKEOFEARL_STEIN SAYS:I COULD CARE LESS ABOUT HELPING YOU YOU INCOMPETENT MORON CANT EVEN KEEP YOUR KEYS IN A SAFE PLACE IDIOT OH WAIT MY KEYS HAVE GONE MISSING TOO! CALL GERALDO!
2006-11-20 06:46:52 · answer #10 · answered by Anonymous · 1⤊ 5⤋