Burglary Claims

We have seen a marked increase in home burglaries since September. We ask you please to be vigilant when it comes to your property and home security.

There are 3 conditions to your policy which may determine whether your burglary claim is paid or not. The 1st is if you have a burglar alarm warranty on your policy. This means that you are required to have an Insurance approved alarm which is linked to a Security firm’s response unit. In the event of a claim, you will be required to prove the alarm was activated at the time of the burglary. The 2nd condition applies to those policies without an alarm. Your Insurer then requires you to have burglar bars on all opening windows and security gates on all opening doors. The 3rd condition is that there has to be evidence of forcible or violent entry.

Another contentious issue when it comes to theft claims is Proof of Ownership! Your Insurer may request proof of ownership for high value items and electronic equipment. Examples of what your Insurer would consider as proof of ownership are: the original purchasing invoices; operating manuals; remotes; chargers; valuation certificates (particularly for jewellery); or a surveyor’s report.

What we recommend you do:

  1. Check your policy schedule and make sure you are complying with its condition. If you are unsure, give us a call or pop us an email and we will gladly help you.
  2. Make sure your alarm is in working order and is always activated when you leave your home.
  3. Have the contents evaluated by a professional surveyor. Call us for more information.