Just been burgled

[eagletower]

I’ve just been burgled at 21:50 whilst we were home downstairs watching TV.

They got my wife’s wedding ring and engagement and one of my Rolexes and my wife’s.

How do I register the serial numbers? So they get flagged up?

Finally both Rolexes we bought used from these forums . So I have boxes and papers but no receipts .

Does anyone know if insurers will accept boxes and papers as proof?

Finally will they replace like for like? Both have gone up in price since purchase

Thanks , will call my insurers ASAP but I think they may be closed till Tuesday so just want to put my mind at ease.

[Templogin]

Like for like replacement will depend on your policy. Time to read the small PRINT. Report it to the stolen Rolex register, and(?) and an AD

[eagletower]

Like for like replacement will depend on your policy. Time to read the small PRINT. Report it to the stolen Rolex register, and(?) and an AD

Just went through it , thank god it does .
Watches don’t bother me , wedding jewellery does.

Sucks

[jukeboxs]

So sorry to hear that. Hope your insurance works smoothly, I hope the thieves are caught (although unlikely I imagine), and I hope you both aren't too unsettled by such a nasty experience. I'm glad no-one was hurt.

[stefmcd]

Just went through it , thank god it does .
Watches don’t bother me , wedding jewellery does.

Sucks

I was sympathetic till this post ;-)



Seriously though, I feel bad for you. I hope the claims process is as pain-free as possible. Best wishes.

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[canuck]

Sorry to hear that. What an awful feeling. I hope things work out for you in the end.

[Thewatch1]

If you bought from the forum the original owners could help,failing that it's time to read the fine print as has been suggested

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[tcy148]

Most importantly nobody was hurt. Watches and jewellery can be replaced, even if the feeling sucks. Best of luck with the process.

[ryanb741]

Very sorry to hear about this. Take care.

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[sundial]

Read the small print because an insurance policy might state that items of specific value require separate insurance declarations … especially if insured for 'all risks' rather than just use in the house.

Some large insurance companies and insurance brokers have claims lines open 7 days per week

I do not insure my watches but declare to my insurance company that I have uninsured Rolex watches - thus avoiding any claims for insured items being 'averaged' downwards. My watches are stored in a safe.

dunk

[boring_sandwich]

Sorry to hear of your loss, when my Rolex was stolen Haywood kindly added it to a few registers for me.
I also contacted Rolex St James who emailed me a lost/ stolen form to complete.

[Benji053]

Sad to hear.

Hope they are recovered and that nobody came to any harm.

[RAJEN]

Sorry to hear. Hope for a satisfactory outcome.

[JeremyO]

That’s a real shame. Glad no-one was hurt.

Theonly thing you can do is contact your insurance company and report serial numbers to Rolex, ask Haywood to note these on registers and take it from there.

I doubt the police will have time to do anything except give you a crime number.

[eagletower]

Thank you guys. I’ll contact st James.

Been a terrible month , lost my mum suddenly 4 weeks ago tomorrow and now this.

Kids are spooked by gran not being around anymore and are worried we’ll go too and now completely terrified as a “bad man” has been in the house.

Weirdly I’m not bothered at all. I’m insured and the policy covers me for £30,000 of unlisted jewellery and watches .

So I’m insured and if I’m not - we’ve got our health. Losing mum has just numbed me to this.

[Devonian]

Very sorry to hear your news and your loss. Let the insurance company know as soon as they are open, but let them sort things out when you’re ready. Small detail in the grand scheme of things but at least you’re insured.

Take care.

[100thmonkey]

Very sorry to hear of your loss, the reporting of the crime should flag up on insurance databases and also report to The Watch Register, you can call St James but they would only be of assistance if it gets put in for a service which is unlikely as it’ll remain underground.

[TROYBOY79]

sorry to read this thread mate but I would advise that the insurance company will try every trick in the book to get out of this one due to the variables.
Also have a good reason for the wife not wearing her rings as theyll be onto that like a shot!!

[sundial]

sorry to read this thread mate but I would advise that the insurance company will try every trick in the book to get out of this one due to the variables.
Also have a good reason for the wife not wearing her rings as theyll be onto that like a shot!!

You're too suspicious and have no real idea about how insurance companies operate. All insured parties have a contract of insurance based on the policy wording - and insurance companies pay claims in accordance with that contract. There are no 'every trick in the book' exercises or excuses … the terms and conditions are all documented for anyone to read. And it's up to all policy holders to ensure they have adequate cover, take all reasonable steps to prevent losses, and read their policy wordings and insurance contracts.

dunk

[eagletower]

sorry to read this thread mate but I would advise that the insurance company will try every trick in the book to get out of this one due to the variables.
Also have a good reason for the wife not wearing her rings as theyll be onto that like a shot!!

I’m not sure how to justify that , but she doesn’t wear her rings unless she goes out as it’s too much hassle taking them on and off , I don’t wear my wedding ring too.

Beyond the rings and watches and a few bits of jewellery in a safe she doesn’t have anything else , the thief took some costume jewellery which wasn’t valuable thinking it was . Thankfully the little valuable jewellery she has was in the safe.

We must have disturbed him coming back up , I’ve gone through our time line and now the CCTV and there would only have been a window of less than ten minutes and he was in and out in 4 minutes so I think we must have disturbed him.

[Ruggertech]

So sorry for your loss, I've had a two bereavements recently, one expected but the other a complete shock, I know some of how you're feeling. To have this on top is unspeakable, I'm just so glad that you didn't hear them and disturb them. As you say, watches can be replaced. Hope it works out for you.

[Phil0886]

Really sorry to hear this, went through the same thing last month so know how you feel.

I’m sure you already have but if not then report it to the police as your insurer will need the crime / incident number.


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[Onelasttime]

Sorry to hear about your loss. Time will ease the pain.

How did they get in?

[eagletower]

Sorry to hear about your loss. Time will ease the pain.

How did they get in?

I have checked all the CCTV and the thief was working alone and he was going up my road.

I love on a country lane most houses are 60ft back from the road, they're all detached so have access on both sides. The lane goes down hill as you go along, so my house sits lower than m neighbour on my left ( as you face the house)

He walked up my neighbours drive climbed the wall and jumped on my garage. Garage is attached and flat roof, he then walked along this to the extension along the back which has a very, very low pitch and walked along this and climbed into the bedroom. He only went into one room and was out 4 minutes later.

I am still shocked he did this whilst we were downstairs. He saw 3 windows and side window was open so probably guessed the rear windows would be open too.

[learningtofly]

I am still shocked he did this whilst we were downstairs. He saw 3 windows and side window was open so probably guessed the rear windows would be open too.

if it makes you feel any better, the entire downstairs of my house was cleaned out whilst I was wide awake upstairs. It happens.

[eagletower]

if it makes you feel any better, the entire downstairs of my house was cleaned out whilst I was wide awake upstairs. It happens.

We live very close to each too. I’m in Arkley

[Nairn1980]

I dread reading these posts,
So sorry

[jameswrx]

What a shame he didn’t fall off the roof and break his neck!

if it makes you feel any better, the entire downstairs of my house was cleaned out whilst I was wide awake upstairs. It happens.

My best mate’s Mum n Dad’s place was cleared out of antiques while they slept. It was a real old place with low ceilings and the crazy thing was they even took the grandfather clock which was all but wedged in place. The clock actually had part of the top removed to get it under the ceiling it was that tight and they still managed to get that out without waking anyone! The clock was in the room directly below where they were asleep at the time too!

[Franky Four Fingers]

I have checked all the CCTV and the thief was working alone and he was going up my road.

I love on a country lane most houses are 60ft back from the road, they're all detached so have access on both sides. The lane goes down hill as you go along, so my house sits lower than m neighbour on my left ( as you face the house)

He walked up my neighbours drive climbed the wall and jumped on my garage. Garage is attached and flat roof, he then walked along this to the extension along the back which has a very, very low pitch and walked along this and climbed into the bedroom. He only went into one room and was out 4 minutes later.

I am still shocked he did this whilst we were downstairs. He saw 3 windows and side window was open so probably guessed the rear windows would be open too.

Really sorry to hear this. From what you've said above it sounds like someone who knows the lie of the land and not just some opportunist bell end. Can you link that to anyone recently that may have been at your place.....tradesman of some sorts?

[learningtofly]

Very sorry to hear about your mum. As for the theft, I’ve suffered this myself... traumatic, but you’ll all get over it given time.

One tip - if forensics dust for fingerprints clean off the powder as soon as they leave. I didn’t and suffered the consequences, because it’s nasty stuff that only gets harder to remove.

[theylive]

Very sorry to hear about your mum. As for the theft, I’ve suffered this myself... traumatic, but you’ll all get over it given time.

One tip - if forensics dust for fingerprints clean off the powder as soon as they leave. I didn’t and suffered the consequences, because it’s nasty stuff that only gets harder to remove.

Having been robbed in 1998 I still have items with the silvery forensics dust showing as, a thorough cleaning wasn't done at the time. Sorry to hear of your loss.

[Chris_in_the_UK]

Sorry to read this - best of luck in sorting things out.

[Ivan Drago]

My house was broken into in Feb and to be honest I cannot fault the insurance company.

They paid out on every item and even when I didn't have receipts photos of items were accepted as proof of ownership.

If your claim is legit you have nothing to worry about they will pay out for what you have lost.

[bwest76]

I checked my policy with my company today.

My camera and IWC watch are listed and covered separately on the policy.
My doors meet the lock standards as do my windows.
I declared changes like conservatory roof and shed.
I asked about windows left open while I am in the house,any and all windows can be left open.
But obviously locked when out.
All calls are recorded and I’ve been upfront so I feel insured as best I can be.

[dickdutch]

Finally both Rolexes we bought used from these forums . So I have boxes and papers but no receipts .

Does anyone know if insurers will accept boxes and papers as proof?

When I was burgled, one of my watches that was stolen was second hand too, I didn’t have a receipt, but the insurance company accepted photos, including one of my wearing it, as evidence of owenership, so it’s worth digging a few out to go with the boxes.

[SiSetts]

Not a nice time for you and your family.
Hope you get your items back,good luck.

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[Dougal]

I'm terribly sorry for your loss.

Regarding the burglary, here's comprehensive advice about improving home security. If your kids can see security's beefed up, it can't do any harm for their peace of mind.

[bdkelly72]

I'm sorry to hear about your burglary. I was burgled, the burglar used a child fagan style to put a 5 year old girl through my window.. I could have caught her but something inside is glad I let her go.. A victim as well in all this.

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[JonRA]

Very sorry to hear about your Mum. And now this - awful. Glad you're ok and wish you all well.

Jon

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[Mr Curta]

Hoping that you can all find peace of mind during these troubling times.
M

[eagletower]

I posted the burglary on Nexdoor.co.uk Someone on the road that joins mine at the top got burgled too.

Just before me , same method of entry flat roof extension along the back.

Makes me feel a touch better that we weren't specifically targeted and sounds more oppourtunist.

[wotsthecrack]

Hope you all get over this quickly.

We have a dog, she is one of the family and knows if anyone comes close to the house, better than any CCTV or alarm system. She is not aggressive but barks which is enough to get any scrotes to move on.

[paskinner]

No help to those affected, but the annual rate of burglaries has dropped steadily for many years. Compared with 1990, householders now have only 25% of the risk. The main reason may be that modern electronic possessions aren’t usually worth stealing, low resale values.
Set against that, the chances of being caught are also low.

[Mick P]

To the OP

I suspect your biggest hurdle is that you were downstairs whilst the burglar entered an upstairs window via a flat roof.

I would advise your to read your exclusion clauses. About 50% of insurers will not pay for a claim if the window was left open / unlocked in a room that was unoccupied and that applies even if you were in the house whilst it happened.

So if you where in the lounge watching TV and you left an upstairs bedroom window open for ventilation, they probably will not pay up if you admit that that was how they entered. This comes under the clause of not taking reasonable care of leaving small and valuable items in an unoccupied room that is not secure.

I have these clauses in my insurance and I keep every door and window locked in unoccupied rooms all the time.

Also check whether jewellery should be kept locked in a safe, this is also a common get out.

I hope it all goes well, no one deserves this sort of thing.r

[Templogin]

You might want to put a T in that url

[Boeingdriver]

This is utterly frightening for You I cannot begin to imagine the shock at the thought of intruders in your home words fail Me but My thoughts are with You.

[P9CLY]

Don't like seeing these posts,gets me spooked and thinking about my collection!.

Hope all goes well,and at a time when you all have more important things on your minds.

ATB.

[eagletower]

To the OP

I suspect your biggest hurdle is that you were downstairs whilst the burglar entered an upstairs window via a flat roof.

I would advise your to read your exclusion clauses. About 50% of insurers will not pay for a claim if the window was left open / unlocked in a room that was unoccupied and that applies even if you were in the house whilst it happened.

So if you where in the lounge watching TV and you left an upstairs bedroom window open for ventilation, they probably will not pay up if you admit that that was how they entered. This comes under the clause of not taking reasonable care of leaving small and valuable items in an unoccupied room that is not secure.

I have these clauses in my insurance and I keep every door and window locked in unoccupied rooms all the time.

Also check whether jewellery should be kept locked in a safe, this is also a common get out.

I hope it all goes well, no one deserves this sort of thing.r

This the bit that worries me . Insurance companies trying to wriggle out of paying . However at most it was unattended for 20 minutes if that. Kids had been bathed , they came downstairs to say good night where I was watching TV and sister who stayed over was also upstairs but had come downstairs to get a drink .

Window was open but I’ll argue leaving open for 20 mi utes at most doesn’t count for leaving unattended .

[Damo]

Sorry to hear about your burglary, hopefully the insurance pays out ok....

[sundial]

This the bit that worries me . Insurance companies trying to wriggle out of paying . However at most it was unattended for 20 minutes if that. Kids had been bathed , they came downstairs to say good night where I was watching TV and sister who stayed over was also upstairs but had come downstairs to get a drink .

Window was open but I’ll argue leaving open for 20 mi utes at most doesn’t count for leaving unattended .

Insurance companies do not 'wriggle out of paying' … they pay claims in accordance with the policy terms and conditions … and if those terms are contravened, even if only for 20 minutes, they are still contravened. However, if the insurance company refuses a claim, any insured party can seek the opinion of e.g. an independent claims assessor.

You might consider advising the local jewellers and watchmakers in your area (e.g. Antique and Modern in East Barnet) just in case the thief tries to sell the items. Most jewellers have security cameras which can identify customers.

You appear to have the correct insurance company approved locks … which is a plus. A friend has recently had to replace all his dwelling's door locks and window locks in order to comply with his insurance company's recommendations and policy wording.

dunk