Car stolen- Question

TRS30 · 14-01-2015 12:30PM #1

Car was stolen from outside house this morning.

Wife, opened car to put some stuff in, started it to clear frozen windows, went back into house to get baby, came back out and car gone.

Rang insurance company and someone is to ring me back.

Are insurance likely to pay out as keys were in car?

sunnysoutheast · 14-01-2015 12:37PM

TRS30 wrote: »

Car was stolen from outside house this morning.

Wife, opened car to put some stuff in, started it to clear frozen windows, went back into house to get baby, came back out and car gone.

Rang insurance company and someone is to ring me back.

Are insurance likely to pay out as keys were in car?

Unfortunately I think you are in big trouble.

Thread on this a while back, there is usually a clause excluding theft when keys are left in the vehicle unattended.

AMKC · 14-01-2015 12:42PM

Thats dreadful. Did you contact the Gards and let them know that your car has been stolen. Hopefully you get it back in the same condition it was in and no damage or harm done to it.

JPF82 · 14-01-2015 12:42PM

TRS30 wrote: »

Car was stolen from outside house this morning.

Wife, opened car to put some stuff in, started it to clear frozen windows, went back into house to get baby, came back out and car gone.

Rang insurance company and someone is to ring me back.

Are insurance likely to pay out as keys were in car?

Could very well be bad news for you I'm afraid. I hope not, but I wouldn't be confident.

Such a sh1tty thing to happen.

TRS30 · 14-01-2015 12:43PM

sunnysoutheast wrote: »

Unfortunately I think you are in big trouble.

Thread on this a while back, there is usually a clause excluding theft when keys are left in the vehicle unattended.

Thought as much.

Not like it was left running in the middle of a car park was outside the house, however I'm sure they wouldn't see it like that.

Not the lying type so will just tell the truth and hope!

thomas anderson. · 14-01-2015 12:44PM

Report it straight to the cops.

My car was stolen twice and I got it back.

Keep the fate

TRS30 · 14-01-2015 12:47PM

AMKC wrote: »

Thats dreadful. Did you contact the Gards and let them know that your car has been stolen. Hopefully you get it back in the same condition it was in and no damage or harm done to it.

Wife rang guards and they have been round already. Happened to two other cars in the estate this morning as well.

JPF82 wrote: »

Could very well be bad news for you I'm afraid. I hope not, but I wouldn't be confident.

Such a sh1tty thing to happen.

Yea wife is still in a bit of shock, just luck she didnt have munskin in the car and ran in to grab something!

thomas anderson. wrote: »

Report it straight to the cops.

My car was stolen twice and I got it back.

Keep the fate

Thanks will stay positive till talk to insurance company.

14-01-2015 12:48PM

I hope you get the car back intact and soon without the need for insurance claim. Pretty bad thing to happen.

How many of us do the same thing on frosty mornings! Luckily a lot of the new cars have the start button, so the keys stay in your pocket and the thieves wouldn't get too far.

sunnysoutheast · 14-01-2015 12:49PM

TRS30 wrote: »

Thought as much.

Not like it was left running in the middle of a car park was outside the house, however I'm sure they wouldn't see it like that.

Not the lying type so will just tell the truth and hope!

Might be worth checking the small print of your policy before they contact you back.

Hope you get the car returned intact. Terrible to think there's scumbags waiting around for this exact thing to happen.

biko · 14-01-2015 12:50PM

Posts encouraging insurance fraud removed

mickdw · 14-01-2015 01:03PM

biko wrote: »

Posts encouraging insurance fraud removed

Excellent work.
Support the thief
Bankrupt the innocent householder.

Craftylee · 14-01-2015 01:08PM

Agreed with the others - chances are insurance wise you're in trouble as most insurances companies have a clause saying if the car is unlocked / the keys are left in the vehicle you won't be covered. I know it's a cold time of year and people are gong out to warm cars up early, but you make it too easy for thieves.

Hope you get the car back!

kjbsrah1 · 14-01-2015 01:13PM

mickdw wrote: »

Excellent work.
Support the thief
Bankrupt the innocent householder.

On the other hand - Insurance fraud raises the cost of insurance for the rest of us - So i for one would not advocate for anyone to commit insurance fraud.

Hope the OP gets his car back - was there much petrol in it? If not you will more than likely find it abandoned not too far away.

sunnysoutheast · 14-01-2015 01:15PM

mickdw wrote: »

Excellent work.
Support the thief
Bankrupt the innocent householder.

Of course the suggestion proposed would also involve lying to the Guards.

Would almost certainly make a bad situation even worse once the truth is out.

Nino Brown · 14-01-2015 01:15PM

How is this still happening?

14-01-2015 01:18PM

kjbsrah1 wrote: »

On the other hand - Insurance fraud raises the cost of insurance for the rest of us - So i for one would not advocate for anyone to commit insurance fraud.

In fairness, it's not like the OP put a blanket over the car and is now pretended it's gone. It was stolen. I think insurance companies should pay out in these circumstances, personally.

Nino Brown · 14-01-2015 01:24PM

Deleted User wrote: »

In fairness, it's not like the OP put a blanket over the car and is now pretended it's gone. It was stolen. I think insurance companies should pay out in these circumstances, personally.

Insurance premiums are lower because modern cars are difficult to steal, if they pay out in these circumstances everybody's premium goes up because some people are bypassing all antitheft mechanisms.
I don't think I should have to pay more because some people are doing this, it's not going to stop, it's been happening for years and years and people don't learn, I don't see why I should have to pay for it.

kjbsrah1 · 14-01-2015 01:24PM

Deleted User wrote: »

In fairness, it's not like the OP put a blanket over the car and is now pretended it's gone. It was stolen. I think insurance companies should pay out in these circumstances, personally.

Did not mean that at all - my comment was that the Moderator had removed comments where posters were giving tips on what to tell the insurance company in order to ensure he was covered. I did not for a second doubt what the OP had posted. Sorry if i came across that way.

ironclaw · 14-01-2015 01:25PM

Nino Brown wrote: »

How is this still happening?

Because people are leaving cars running in drive ways. Not only open, but keys in and the car running. If you are that concerned about the frosty windows, fit a remote start kit or a kill kit so you can remove the key and leave the car running. Its common across the police forces and is a simple fit. Otherwise, a gate across the drive or lock the car. Its simple.

And I don't feel, no offense OP, that insurance should cover this type of thing. Even when I'm at the airport (One of the more 'secure' places in the country) and step out at the drop off to remove a bag from the boot, the keys come with me. You don't leave your front door open, why do the same with your car?

pippip · 14-01-2015 01:29PM

Op would you put the car make, model, colour, reg and location up with photos if you have any.

Many a car have been located with the help of boards members when the car is parked up somewhere.

Nino Brown · 14-01-2015 01:29PM

ironclaw wrote: »

Because people are leaving cars running in drive ways. Not only open, but keys in and the car running. If you are that concerned about the frosty windows, fit a remote start kit or a kill kit so you can remove the key and leave the car running. Its common across the police forces and is a simple fit. Otherwise, a gate across the drive or lock the car. Its simple.

I stand to be corrected in this, but I thought they were illegal in manual cars. But yeah, leaving your keys in the car and walking away is like leaving few grand on your on your front lawn, and then complaining that somebody stole it.
It would be great if we lived in a world with no thieves, but unfortunately we don't.

Irishcrx · 14-01-2015 01:37PM

Very sorry OP,

Yeah there was a thread like this a while back , insurance company will most likely not pay out because the keys were left in the car. It's a big no no, they hang around estates in the mornings waiting for people to do this.

TRS30 · 14-01-2015 01:52PM

Appreciate all the replies.

As tempting as it might be, we will not be lying to the insurance company.

I will update once I speak to insurance company.

Henry Ford III · 14-01-2015 01:54PM

It's a terrible thing to have a car stolen from outside your house, but leaving it running and unattended means any insurance claim will unfortunately be refuted.

With a bit of luck you'll recover it undamaged.

TRS30 · 14-01-2015 01:55PM

pippip wrote: »

Op would you put the car make, model, colour, reg and location up with photos if you have any.

Many a car have been located with the help of boards members when the car is parked up somewhere.

Is a 2007 silver Ford Focus Ghia, stolen from outside house in Swords.

Reg is 07-D-870xx

Will look for some photos- is a standard car not really worth stealing!

bladebrew · 14-01-2015 02:14PM

It happened to another poster on here from Swords a few weeks ago! People of Swords stop running your car in the driveway!,
The other poster found his car on Donedeal if I remember right, the Gardai at the time said it had happened before aswell there!

Cheensbo · 14-01-2015 02:50PM

TRS30 wrote: »

Is a 2007 silver Ford Focus Ghia, stolen from outside house in Swords.

Reg is 07-D-870xx

Will look for some photos- is a standard car not really worth stealing!

Horrible thing to happen, hope it turns up and also I hope your insurance company looks after you should it not. Whatever way you look at it, the car was stolen, just because the keys were in it, that does not make theft right, just or deserved.

I start mine for a few minutes every morning before I leave so I can sympathise and understand, but I lock it with the second key, (and also have another anti theft mechanism in it - well more of an anti-thief mechanism should they get into it)

Post up your full reg, no need to hide it, more info out there the better. I hope it's found.

Stheno · 14-01-2015 02:54PM

Seems to be an epidemic of this in swords at the minute

carltonleon · 14-01-2015 02:54PM

bladebrew wrote: »

It happened to another poster on here from Swords a few weeks ago! People of Swords stop running your car in the driveway!,
The other poster found his car on Donedeal if I remember right, the Gardai at the time said it had happened before aswell there!

My car was stolen a few weeks back. Fished the keys through the letterbox.
I am in Swords as well and it is rampant at the moment. Anyway to cut a long story short, it was sold on done deal and I got it back.There were false reg plates and false NCT docs etc on the car. Hopefully you will have the same outcome. I sat in the car for 10 minutes this morning freezing my nuts off de-icing and heating it up

Ginny · 14-01-2015 03:15PM

Has happened in our estate last year in swords, cars and a van full of tools.

corktina · 14-01-2015 03:17PM

withany luck it was someone looking for a ride to town and it'll be found in one piece

Car stolen- Question

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