Insurance Companies might deny reimbursement for £3,295 worth of stolen tools if no receipts are available, as per SALLY SORTS IT.
After a lifelong collection amassed by the claimant's husband, a series of expensive power tools were stolen from the family's garage. The incident occurred after the family moved house, with their son organizing the tools and storing them in preparation. Upon returning home from church, the family found the garage broken into and the valuable tools missing.
The police expressed little hope in recovering the stolen items. The family then submitted a claim of £3,295 to their insurer, Admiral, but the company denied coverage without receipts.
Feeling disheartened, the claimant reached out for advice. They believed a claim for possessions damaged by water in a similar situation had been accepted on the basis of estimates made online. In this case, however, Admiral initially refused to pay without receipts.
Upon intervening, Sally Hamilton addressed the issue and argued that insurers ought to accept other forms of evidence besides receipts. After further inquiry, Admiral reconsidered the claim and agreed to meet the claimant's request without additional evidence.
Impressed, the claimant shared their experience to advise others to maintain records or receipts of possessions to avoid potential difficulties in future claims. Though the claim was not approved in full due to a policy limit of £1,500 for items stolen from outbuildings, it was critical that some funds were released to the affected family.
Facebook users were warned of a scam post, pretending to be from B&Q, offering free garden soil in exchange for a positive review. The post was fake, and accessing the provided link could compromise personal and financial details. To avoid such incidents, users were recommended to report the post through the post's three vertical dots and press 'report.'
In the light of the family's unfortunate experience, it is essential to maintain accurate records or receipts of personal belongings for future insurance claims, as the absence of such evidence can lead to denied coverage. Additionally, caution should be exercised when encountering suspicious posts on social media platforms, as fake offers, such as the B&Q garden soil scam, could potentially compromise personal and financial details.
