Losing valuables and having your home turned upside-down can be an emotional time for you and your family. We'll take you through some simple steps to ensure you know what to do when it comes time to claim on your stolen belongings or damage to your home.
When you first discover your home has been burgled, don’t touch anything. Call your local Police station and report the theft. When you file a Police report, you will need make a list of all the things that have been taken, including their serial numbers. The Police will then need to come to your place to investigate the burglary and they may need to dust for fingerprints. You may want to, at this point, take a quick video of the scene.
Once you’ve contacted the Police, it’s time to let us know about the burglary. We will need a copy of your Police report, information on the stuff that has been stolen and proof that that you owned the items that were stolen.
Making all these lists and details of stuff that’s been pinched can be a really painful and time consuming exercise. You can save yourself a whole lot of hassle if you do a little bit of work now to document your valuable things.
- Keep the receipts when you buy new gear. Making a digital copy (photo or scan) is a good idea as receipts can fade. Or have the receipt emailed to you, some places now email receipts rather than print them Take pictures of your valuables. Update your photos every year to keep a record of the item’s current condition.
- Make a list of all your valuables along with their serial number, model and description. You can record these securely (and for free) in Neighbourly's AMI contents locker.
- Back up receipts, photos and other information to the cloud. If you don’t already have a cloud storage account, you can create one for free at www.dropbox.com
- Ensure valuable items are insured for their correct value. Some things in your policy will only be replaced for a set amount of money, and sometimes this isn’t enough to cover the true cost of some jewellery or antiques.
Jewellery can sometimes be difficult to claim on, especially if it was inherited or you don’t have a receipt/proof of ownership document for it. Establishing the value of jewellery from photos or vague descriptions isn’t always possible - if you’ve got some particularly valuable or unusual pieces of jewellery, it’s a very good idea to get it valued. It’s also a good idea to re-value your jewellery every few years to ensure you have its up-to-date value.
The most important thing to do is to make sure you read and understand your contents insurance policy. Obligations (both ours and yours), as well as the amount you’re covered for, are listed on your policy. The excess is also detailed on your policy – this is the amount that you must pay when you make an insurance claim. If there is anything in your policy that you’re unsure of or want to change, get in touch with us - we’re more than happy to help.