[Patrick]

Hi ty for reading this especially as it will be hard work as can’t spell lol i had my car stolen over a month ago. I had someone stayover night to help me as fell down stairs anyway long story short middle of night come down stairs find him and car missing called police st away he then drove bk 6 hrs later (had house keys on to) so would not leave place eventually I struggled to get him out but the car keys flow out my hand out side with person out there police told me stay in side till police come, police eventually arrived and put him in car the police helped me look for keys and no were to be seen any way wake up next morning and car been stolen so he must hid keys, no it’s gone to special investigation department and chance they won’t pay the insurance company does any one have advise or any comments much appreciated .P

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[Kev]

I think it will rest in the hands of the police,insurance company and motability on the outcome of this,no one else can give the answer

[karen j]

If he took the keys against your will and forcibly (and that only has to mean physically removed and wouldn’t give back and you felt in danger) I’d say you are on good grounds especially as the police were involved straight away.

[garry]

Sounds like an horrible experience.

I would agree with karen j.  Originally it was taken without consent. Then a further incident of aggravated car theft.

If you didn’t leave the keys in the vehicle and it was locked, I would say you’re all good.

Good luck

[karen j]

I think you say your keys flew? So perhaps they are saying you lost them deliberately. I would keep expressing the danger you were in. The fact that you are vulnerable (We all our if we qualify for enhanced mobility) the involvement of the police.  And that this is then lost then stolen not deliberately left in a car. They are almost certainly looking at the reasonable precautions clause in your policy. The involvement of the police is definitely on your side. You took what precautions you possibly could in the circumstances from what you’ve said.

 

This was my career once upon a time on a larger scale but the principles are the same. Good luck.

[Richard]

I can’t see how this can go against you, he already TWOK the car once then like you say hid the keys in the garden, it’s a shame the police didn’t stake the car out upon the guys release from custody as they could’ve then nicked him again.

The police were aware the keys were in the garden did they not advise you what to do at the time? If not then they’re as culpable as they should’ve really suggested what to do.

If you have legal cover kn your home insurance you could always call the hotline for advise but I think until the insurers come back to you there’s not much you can do. Just think very carefully how you tell them what happened, I don’t mean lie of course but ensure you don’t leave them reason to assume anything like obviously don’t say something like I threw the keys at him & I’d also ensure they’re aware of the state you were in medically (Dr’s letter possibly) & whether you felt in danger if you fought to get the keys back etc.

If you felt in fear of being assaulted or worse then tell them that, again don’t lie.

If you haven’t already get it all written down with dates & times & as much detail as you can muster that way if they do decide against you you’re all ready to get it straight to the ombudsman.

Good luck with it all I’m so sorry you’re going thru all this it’s the last thing amyone needs when ill

[Author]

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