We have just had a house burglary this week, along with two of our neighbours. In our case everything that was gold was taken. Everything had a personal value so can't be replaced. Has anybody had the experience and claimed on their house insurance and found subsequently their premiums were hiked. There is a limit of 2000e on single items on our policy. I have no receipts and a lot of things were from over 40 years ago. Would an insurance company take my word for it if I presented them with a list. I'm still finding that something else is gone but I have so far reckoned that between 10,000e and 12,000e in value is probably gone into the melting pot. While I know that we are paying insurance for a purpose I don't want to be hammered in the future just for the sake of getting a few bob that won't replace anything that was lost.