Theft and burglary claims
Theft and burglary insurance claims
A break-in is distressing, and proving what was taken can be hard. We build a thorough claim for everything you've lost, including the damage caused getting in.
- Free assessmentNo obligation, no upfront cost
- No win, no feeWe don't get paid until you do
- Your own loss assessorFrom first call to final settlement
More than just what was taken
The aftermath of a theft can have a significant emotional impact on you and your family. On top of that, you have to prove to your insurer what you owned, what it was worth and how the thieves got in.
A break-in often means damage to doors, windows and locks as well as stolen belongings. Insurers also look closely at policy conditions, such as the locks you were required to have fitted and whether the property was secured.
Our role is to build up a conclusive, thorough list of everything you've lost to present to the loss adjuster, make sure the damage is included too, and represent you if the insurer questions the claim.
How we help with your theft claim
We build a thorough list of everything that was taken, with values.
We help you gather receipts, bank records, photos and other evidence.
Doors, windows, frames and locks damaged by the intruders.
The cost of changing locks if keys were taken, where your policy covers it.
We challenge decisions based on security conditions where they're unfair.
Stolen stock and equipment, and the effect on trading.
What a theft claim can include
Depending on your policy, a theft claim can include:
- Stolen contentsBelongings, electronics, jewellery and other items taken from the property.
- Damage caused by the break-inRepairs to doors, windows, frames and locks.
- Replacing locks and keysMany policies cover changing locks if your keys were stolen.
- High-value itemsItems above the single-item limit usually need to be listed on your policy, which we check.
- OutbuildingsTheft from garages and sheds, which is sometimes covered with lower limits.
- Business stock and equipmentFor commercial clients, stolen stock, tools and machinery.
Common questions
Do I need a crime reference number?
Almost always. Report the theft to the police as soon as possible and keep the crime reference number, as your insurer will ask for it.
What if I don't have receipts?
Don't worry. Other evidence can help prove ownership and value, such as bank and card statements, photos, manuals, boxes, warranty documents and valuations. We help you put it together.
My insurer says my locks didn't meet the policy conditions. Can you help?
Some policies require certain locks to be fitted or used. Whether a refusal is fair depends on the exact wording and the circumstances, including whether the condition had anything to do with the loss. We review it and challenge the decision where it isn't justified.
Is theft by someone I let into my home covered?
Many policies only cover theft involving forced entry or exit, or treat theft by people lawfully in the property differently. It depends on your wording, so it's worth asking us to check.
Other ways we can help
Get your first consultation free
Talk to an experienced loss assessor about your claim. No win, no fee.
Lines open Monday to Friday, 9am to 5pm.