£40,000 Motorhome stolen. Police not interested. Insurers won’t pay up. (1 Viewer)

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Calamaster

Free Member
Jun 12, 2019
166
238
Surrey, UK
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61,603
MH
Autotrail Cheyenne 6
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Since 2017
Just thinking about the insurance angle if you are careless and leave it with the keys in they won't pay. If you are really stupid and drive under a bridge thats too low but clearly marked will they also not pay? At what point does comprehensive insurance not become comprehensive?
In 2003 I was going to Camp Site in France. Low Bridge. Just BEFORE the bridge was a hanging Bar supposed to alert you on clearance. Luckily there was a Bank on side of road which I climbed and the Mrs drove MoHo forward to meet the bar. We cleared under the bar easily by at least 1ft. Got back in and went for the bridge. 1 X Skylight torn off!! Be warned at incompetence of some french road workers!
 
Sep 19, 2018
96
114
Falmouth
Funster No
56,284
MH
Ducato PVC
Exp
3year
this is an interesting article

There are a few products on the market that will keep you safe, your keys safe and your insurance company happy –

1. The Supra C500
2. Supra P500
3. Burton Keyguard Digital XL

They are weather resistant key safes - all perfect for use on the exterior of your property. They are certified and, as police approved key safes, offer the ultimate security for your external key storage. It’s perfect for homes where access is needed by family, carers and nurses or for a property where lots of people are often in and out at separate times.

The below statement is recognised by many leading underwriters of UK insurance -

“No claim for theft from a client’s home would be compromised or prejudiced”.

including;

Direct Line
Green Flag
Churchill
AIG
Groupama Insurances
AVIVA and FORTIS in partnership with AGE UK.
True, but they still get you if the key safe is not secured correctly. ie to concrete, not concrete block!
 
Apr 24, 2018
912
4,119
France
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53,567
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2001 Hymer B544
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Since 1992
On the key in a safe thing, it would come down to whether one could demonstrate that sufficient care had been ‘reasonably’ taken to secure the key. So, if keys are in a ‘soldsecure’ approved safe, securely fixed to the vehicle chassis with bolts only accessible from inside the safe, the safe is out of sight under furniture, and the van is locked with additional Yale locks and alarmed and fitted with a tracker - then any insurer bent on refusing a claim would have to prove in a court of law that ‘insufficient’ care had been taken.
 
Oct 12, 2009
11,236
24,766
SW London, Poland and all Europe
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8,876
MH
A Class N+B Arto 69GL
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My siesta was interrupted by thoughts about MH keys and insurance exclusions.

As I now have a Polish insurance policy and have ditched my old English ones I have the following request.

Would members kindly post the sections of their policies relating to keys, indicating whether the sections are in General Exclusions or are in sections relating to specific cover.

The purpose of this request and my analysis of the validity of the exclusions will become clear in my subsequent response.

Thanks in advance.

Geoff

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Feb 18, 2022
590
668
Bedfordshire, UK
Funster No
86,954
MH
RT Pergaso 740
Good point. I keep a spare set of keys in a secure area in the motorhome and the spare side door key taped to a hidden area under the van. Not entirely fool proof but my thoughts are who would have the time or inclination to search under the van in the first place ? Or is this a obvious well known technique by any potential thief ?
"who would have the time or inclination to search under the van in the first place" those that want your CAT if you have one.
 
Apr 24, 2018
912
4,119
France
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53,567
MH
2001 Hymer B544
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Since 1992
I know pets are valuable these days, and know moggies like to sleep under cars, though I don’t think any burglar would be looking underneath the camper for one?
 
Jul 26, 2018
651
2,636
Funster No
55,161
Comfort. Section under Cover - Exclusions

Loss or damage arising from theft whilst the ignition keys of your motorhome have been left in or on your motorhome or your motorhome has been left unattended with the engine running.

Definition-Ignition keys
Any key, device or code used to secure, gain access to, and enable your motorhome to be started and driven.
 
Sep 17, 2020
960
3,179
Totton
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75,977
MH
Bailey Autograph 745
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Since Sept 2020.
But was this organised or just an opportunist who walked by and saw the unattended van with theb key in the ignition? If it was organised then I agree with you but .If it was the latter then quick action by the Met might have a good chance of retrieving the van.
You have a point, but response times for incidents that do involve immediate threat to life are not what they should be, more so for non life threatening ones. I know were not supposed to get political, but losing 20,000 police officers across GB when Mrs May was in charge hasn't helped.

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Jan 3, 2008
3,368
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You have a point, but response times for incidents that do involve immediate threat to life are not what they should be, more so for non life threatening ones. I know were not supposed to get political, but losing 20,000 police officers across GB when Mrs May was in charge hasn't helped.
I don’t say this as a political point, it’s just an observation, I believe she did more to harm policing in the UK than anyone else in history.
 

Ianb

Free Member
Aug 31, 2014
28
22
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33,126
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Van Conversion Globecar
Exp
2 Years
Look at your policy, it will tell you. Every policy I've owned mentions security of keys. Most every insurer won’t cover you if your motorhome is stolen with the keys, lock transmitter or keyless entry card are left in or near the van.
Well what happens if you were to accidentally drop your keys on the driveway or walks in through an unlocked house front door and takes the keys. The front door would be unlocked if you are using it. My works van locks itself after couple of minutes unless the key is in the ignition.
It’s total BS: a theft is theft!!
Well I guess if you haven’t got it,the insurers assume it’s in the vehicle.
if u haven’t got it, better go and buy a new key pronto
 

Coolcats

LIFE MEMBER
Jan 24, 2019
6,101
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HymerCar Ayres Rock
Well what happens if you were to accidentally drop your keys on the driveway or walks in through an unlocked house front door and takes the keys. The front door would be unlocked if you are using it. My works van locks itself after couple of minutes unless the key is in the ignition.
It’s total BS: a theft is theft!!

if u haven’t got it, better go and buy a new key pronto
after my vehicles were stollen I was asked for the remaining keys which I provided, I was given 3 keys when I purchased the transporter so I gave the remaining 2 to the insurer who then asked how many keys had I had cut as the vans come with only 2. I never had any cut but as you can see any slight discrepancy from the norm or expected they pick up on.

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Jul 27, 2013
923
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Since childhood!
I’m just wondering how you stand with older folks who have a key safe outside their front door.

The type used for health visitors etc.
A family member’s was installed by a police approved local company, and the key safe itself is very heavy duty and is also police approved.
I was cautious because I’d heard of a lady whose key safe had been crowbarred off the wall and then broken open, but both things would be difficult with this one. so I would be sure that what you get has been destruction tested and police approved.
 
Oct 9, 2019
5,066
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Opportunists are around day and night.

Just last week at 9.30am I moved the daughters car off the drive so Mr B could get his van out of the garage. I was sat there in it for about 5 minutes or so with the engine running while he was faffing about.

We live on a fairly quiet lane so I'm aware of the regular people we see on here. As I was sat there I saw a guy walking down the lane I didn't recognise him but though nothing of it. The next thing he was at the passenger door, I thought he was going to get in, he made me jump out of my skin.

I looked back on the CCTV and he walks down the lane then takes an unnatural turn towards the car.

I think he thought it was empty but left running and was going to nick it. My sister lives across the road and she pulled up home as I was in it and she thought it was just running with no-one in it.

10 minutes later he walks back the way he went and was picked up by someone, but he came down here off a main road 🤷🏼‍♀️ Not normal.
Hope you reported on the non emergency police no, for their information.
 
Mar 23, 2012
9,810
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c class
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Hope you reported on the non emergency police no, for their information.
In our village anyone spotting anything like that puts it on the village Facebook straight away so everyone is aware. It usually relates to vans driving around apparently looking for scrap metal or unsecured things outside.
 

Brody

Free Member
Jul 11, 2022
186
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Hope you reported on the non emergency police no, for their information.

No I didn't, I've been told that reporting things like that affects your home and car insurance as crimes/incidents are logged against your postcode.
 

Ian789

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Oct 18, 2013
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You have a point, but response times for incidents that do involve immediate threat to life are not what they should be, more so for non life threatening ones. I know were not supposed to get political, but losing 20,000 police officers across GB when Mrs May was in charge hasn't helped.
But in London there are thousands of cctv traffic cameras to fund Sadiqs budget. Is there no monitoring of these in real ime by the police? They're quick enough to fine you if the boot of your car overhangs a cross hatch. I'm not expecting a helicopter to be scrambled but there's a lit of technology in place they could use from their office without going out into the cold.

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Nov 18, 2016
774
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I NEVER leave my keys anywhere else than on my person! I don’t blame the insurance company for not paying out. You may as well just give your van to someone. Stupidity at its best! Sorry, but that’s just how i feel about things like this. No one else’s fault but your own if something along these lines happens. As soon as my car / van / motorbike is parked up the keys go straight into my bolted down, fireproof, hidden safe. Along with all the spare sets. Anyone who just hangs their keys up by the front door or on a table ( or in a bowl if that’s your thing ) is asking for trouble. A bit of discipline and a few hundred pounds on a good make reliable safe is invaluable. Otherwise this is the result. I have zero sympathy for anyone who doesn’t take the maximum precautions.
I’m now parked up in Dorset, on a CAMC campsite and my steering lock is on, my ABE pedal lock is on and the non starter part of my Growler alarm thing is on. I would’ve put my wheel clamp on too but I managed to break it taking it off 2 days ago. A replacement is already on its way. You are your own worst enemy most of the time.
 
Jan 5, 2014
215
907
tetbury
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29,579
MH
AutoTrail Expedition
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Long time
Having had my locked motorhome stolen from the front of my locked house while I was in bed, I now realise having read this thread how stupid I was!!! Of course it was my fault! Nothing to do with the thief! I just didn't have enough security! Simple! I was really just plain stupid! I failed to foresee the event!
I am even happy with how I have been treated by the Police and my Insurance!
For anyone else out there who has also suffered this awful experience, you have my greatest sympathy.
 
Jan 3, 2008
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Having had my locked motorhome stolen from the front of my locked house while I was in bed, I now realise having read this thread how stupid I was!!! Of course it was my fault! Nothing to do with the thief! I just didn't have enough security! Simple! I was really just plain stupid! I failed to foresee the event!
I am even happy with how I have been treated by the Police and my Insurance!
For anyone else out there who has also suffered this awful experience, you have my greatest sympathy.
No comparison really with this lady and your awful experience. But I feel for you. Must be devastating.
 
Oct 9, 2019
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Just this afternoon, I had moved my PVC to the rear of my house to clean and refit insulate the fresh water tank, the foam covering had become detached. I was going back to forth from my back door with bits and pieces.
After around 30mins I had sorted the insulation and was starting to load stuff into the van ready for a trip, so each time I left the van ai closed the woosh bang and locked it, except one time I didn’t close the door properly I was on autopilot thought I had closed and locked and went into my house.
3 mins later I came out and found a scrote with the door part open with his head and arm inside. I am afraid I went batshit and hit him on the back of his neck with a brush, he ran off thank god otherwise if he had turned on me I might have had to use my skills as a pensioner and collapsed on the floor with a pretend heart attack 😹
Nothing missing and no damage but I will be more careful in future.

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Jul 27, 2013
923
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Just this afternoon, I had moved my PVC to the rear of my house to clean and refit insulate the fresh water tank, the foam covering had become detached. I was going back to forth from my back door with bits and pieces.
After around 30mins I had sorted the insulation and was starting to load stuff into the van ready for a trip, so each time I left the van ai closed the woosh bang and locked it, except one time I didn’t close the door properly I was on autopilot thought I had closed and locked and went into my house.
3 mins later I came out and found a scrote with the door part open with his head and arm inside. I am afraid I went batshit and hit him on the back of his neck with a brush, he ran off thank god otherwise if he had turned on me I might have had to use my skills as a pensioner and collapsed on the floor with a pretend heart attack 😹
Nothing missing and no damage but I will be more careful in future.
Glad he didn’t get anything but it makes you want to spit. These barstewards are watching for any opportunity. 🤬
 
Dec 24, 2014
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Hurstpierpoint. Mid Sussex.
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34,553
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Compass Navigator
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Ever since lighting was by Calor gas.
When one knocker-boy asked me if I wanted to sell my m/h on my drive I noticed another on the pavement with a fishing rod about 12' long. I thought it odd that there wasn't a reel or any tackle on it.
My neighbour said it was for reaching in an open house window to withdraw keys which people invariably leave in sight on a table, worktop or freezer.
 
May 23, 2021
362
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I know this is a bit of a change of subject, but i found out on a holiday a few years ago that my tesco clubcard could unlock mine (and therefore probably anyone else's) hotel room. We were in Greece, they wouldn't give us 2 cards, so, the clubcard came to the rescue!! We could work the air con etc off it too by slotting in into the slidy holder thingy inside.
 

Brody

Free Member
Jul 11, 2022
186
903
South Yorkshire, UK
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89,828
MH
Wildax Solaris XL
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Back motorhoming after a 6ish year break!
When one knocker-boy asked me if I wanted to sell my m/h on my drive I noticed another on the pavement with a fishing rod about 12' long. I thought it odd that there wasn't a reel or any tackle on it.
My neighbour said it was for reaching in an open house window to withdraw keys which people invariably leave in sight on a table, worktop or freezer.

I was cat sitting for my brother and sister in law about 20 years ago. I had the key for the front door on my dashboard and when I braked at a junction the key flew down the vent at the front of the windscreen 🤦🏼‍♀️

The back door key was on the worktop by the back door. I got a metal coat hanger and fashioned a long hook then got my arm through the cat flap and hooked them off the side. I was about 24/5 at the time and never been a criminal but I managed it.
 
May 7, 2017
2,048
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Which of course makes me wonder what we all do with the spare ignition key that we all carry "just incase"
I you have a few spare keys when you travel out , swallow one at a time and just maybe you will pass them in a short time you are worried about losing them or where to put them in a safe place !!!!!!!!!!;)

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