Will my insurance cover this

D

denby11

Registered User
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45
I have a comprehensive motor policy for all my work vehicles. Last night 1 of these was left unlocked and someone went into it and tried to burn it out. Thankfully they failed but left a lot of smoke damage and destroyed the passenger seat as well the roof of the internal roof of the vechicle. Will my insurance cover this?
 
If you lodge a claim i'd imagine the 1st thing they'll be asking about is why the vehicle had been left unlocked?
 
The unlock will cause you an issue as your policy conditions state you have to take reasponable car and act as though uninsured.
 
It's very strange if someone was intent on arson, that they picked the one vehicle that was unlocked rather than just torching all the cars?
Were they sleeping in it and smoking or something?

I think it'd be worth getting a quote and assessing whether it's worth affecting your claims bonus for it.
 
What does your insurance policy state?

Example section from an Allianz policy booklet:


In that case they reserve the right not to pay, and only they will be able to answer if they will in your case if your policy has a similarly worded clause. Some policies may rule out any possibility of claiming in such cases.
 
Out of curiosity where exactly was the vehicle located ?

If out on the public street you might have a problem with failure to take reasonable care to avoid a loss.
If inside a locked premises your prospects might be better.
 
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