Making an insurance claim?

Question

On Saturday I was the victim of a robbery where I was hit over the head with a baseball bat and had my gold chains stolen.

After the attack i went home with the intention of cleaning myself up a bit as I was covered in blood and then planned on going to the police. At home I ended up passing out and didnt come round till sunday morning and then I went stright to

the police to report the crime.

I have just checked my insurance policy and it says thet theft should be reported to the police immedatly. Do you think that i am going to have trouble getting the insurance company to pay up as I didnt report the crime for 22hours after it happened? Or will it be ok

as I passed out?

If any of you have some advise please advise. Thanks

Answer 1

It is extremely unlikely that you will have a problem with the length of time it took you to report the matter to the police.

You described the circumstances to us very clearly. I would suggest that you describe the incident in the same way when making your claim and you should be fine.

I hope you are feeling better - sounds like a rather unpleasant experience.

Answer 2

I agree with answers above, no way are you going to have a problem here, clauses like that really mean 'not days or weeks later'.... 22 hours later is MORE than acceptable. You will have no difficulties at all on that front. Passed out or not, you were the victim of violence and went to the police as soon as you could.

Please don't worry on that score, as someone else has said, just tell the insurer what you have said here, they won't even think twice over this point.

Answer 3

Even if they give you any hassle over the "immediacy" of your report you can challenge it on the grounds that their requirement would be unreasonable at the time. However, I cannot see them giving you any trouble on the cause of loss. They may hit you up to prove you had all the stuff beforehand. pictures of you wearing the stuff and receipts should help. make sure you itemise the stolen jewellery with the Police and keep the crime number.

xxFJ

Answer 4

you reported it as soon as you possibly could so the insurance will be ok anytime within 24 hours is considered to be immediate in the circumstances you describe

Answer 5

I think that as long as you visited a doctor to have them check over your concussion, then you wouldn't have any problem proving that and therefore there shouldn't be a problem. However if you didn't do that then you're relying on the goodwill of your insurers for them to be flexible.

Answer 6

You should be okay.  The policy contract usually says that you must report as soon as you are able.  Go file the the police report and then call your insurer.

Sorry about your situation!  I hope you are okay.