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Home Insurance querie

  • 20-04-2015 04:13PM
    #1
    macrho12
    Registered Users, Registered Users 2 Posts: 9 ✭


    Ok, I just found out that my nephew has been stealing items from my house. Some of these items were very valuable, and cost a lot of money.
    Without going into too much detail, my nephew is going through a very hard time of late and has started using drugs.
    I dont want to get the guards involved, but he cannot afford to repay the amount he stole from us.
    My question is.......can i claim off my house insurance without getting the guards involved.......this will cause huge upset in our family, and potentially ruin his career??


Comments

  • #2
    MarieOC
    Registered Users, Registered Users 2 Posts: 203 ✭✭MarieOC


    Your insurance company will require you to have reported the theft to the Guards before they will payout. At least mine did when I last made a claim


  • #3
    macrho12
    Registered Users, Registered Users 2 Posts: 9 ✭macrho12


    But do you have to prosecute?


  • #4
    coylemj
    Registered Users, Registered Users 2 Posts: 25,722 ✭✭✭✭coylemj


    The first thing you need to do is read your policy document, it will be on your insurance company's website. Look for the list of exclusions under cover for theft. My guess is that you will not be able to claim because typically cover for theft excludes theft by a member of the family or someone you invite into the home i.e. it has to be a bona fide (sic) burglary.

    Example: FBD has this in their 'Uninsured Risks' .....

    Loss or damage caused deliberately by a member of the Insured’s family or household.


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