Claiming for my stolen tack - insurance companies won't pay out!!!

Yubbie

Yubbie

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Earlier this week I had my truck stolen and as I'd ridden all my tack was in the vehicle so the thieving b******s got that as well. So I set about finding out about claiming for my tack via first of all my truck policy, secondly my house insurance and thirdly my horse insurance. Well today I am so upset and now bloody angry because none of them will pay out:mad::mad::mad:
In a nutshell the truck insurance people say that their limit for personal items is a paltry £150 (hidden in the small print of their T&C's) and my tack wouldn't have met their criteria anyway. The house insurance people won't pay as although I have 'Away from Home Cover' because it was in my truck again I don't meet the criteria although they said if my tack for example had been left out in the open on a stable door and somebody had swiped it they would pay....absolute madness!! Finally Horse insurance won't pay as although it was in my vehicle I wasn't at a venue competing! What is the point of paying for insurance and doing the right thing then when you actually need them to be there for you they wriggle out of paying, I'm not a wussy type of person but I actually cried when I put the phone down it just seems so very very unfair - I've never claimed for anything before, I paid for fully comp insurance and at the end of it I can't get a bean!!
 
Yubbie said:
Earlier this week I had my truck stolen and as I'd ridden all my tack was in the vehicle so the thieving b******s got that as well. So I set about finding out about claiming for my tack via first of all my truck policy, secondly my house insurance and thirdly my horse insurance. Well today I am so upset and now bloody angry because none of them will pay out:mad::mad::mad:
In a nutshell the truck insurance people say that their limit for personal items is a paltry £150 (hidden in the small print of their T&C's) and my tack wouldn't have met their criteria anyway. The house insurance people won't pay as although I have 'Away from Home Cover' because it was in my truck again I don't meet the criteria although they said if my tack for example had been left out in the open on a stable door and somebody had swiped it they would pay....absolute madness!! Finally Horse insurance won't pay as although it was in my vehicle I wasn't at a venue competing! What is the point of paying for insurance and doing the right thing then when you actually need them to be there for you they wriggle out of paying, I'm not a wussy type of person but I actually cried when I put the phone down it just seems so very very unfair - I've never claimed for anything before, I paid for fully comp insurance and at the end of it I can't get a bean!!
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It's normal for tack not to be covered if its stolen from your parked car.
 
My friend had her car and tack stolen - she took it to the insurance ombudsmen and won but not sure if that would help you
 
I personally would have thought your house or car policy would have covered it to be honest. Most horse insurance policies won't cover theft of tack unless it's stolen from a locked building - unless you have special extensions to cover theft from locked horsebox. Was it a horsebox stolen? I thought you must have been talking about a pickup type car to start with? I would check with your house insurance again to be honest and try appeal to their better nature. It's blooming horrible I know - we've been there with having saddles (5) stolen before and insurance not agreeing to pay out for them.

It's so upsetting and frustrating when you know someone's got away with your stuff for nothing and have probable flogged it and to you that's personal items. I was so upset when they stole loads of our stuff as some of it belonged to my pony who had died - I had nothing left of his then :(

Try see if you can reach some agreement with your house insurance - that's what I'd do.
 
My car burnt out in a stable fire and my parents household insurance paid out for my tack, hat, boots etc as "sporting goods temporarily out of the home up to a maximum of £2500".
 
Your post is interesting - the tack room at the yard where I keep my horse was broken into last year and cleared out so most people now transport their tack around in their cars (despite the tack room now having alarm CCTV reinforced doors etc). My horse insurance provides that tack is covered if stolen from a vehicle where the theft is occasioned by violent and forcible entry to the vehicle. It doesn't specify that it has to be at a show or car or lorry but interesting as to whether it would be covered if the whole car was stolen.

I feel your pain as my insurance didn't cover my tack. The tackroom had a lock which met the insurance company's requirement but the alarm at the time didnt. I had changed yards not that long before and not realised.

The theft still annoys me immensly as never managed to find a suitable replacement everyday saddle.
 
Dawng said:
My friend had her car and tack stolen - she took it to the insurance ombudsmen and won but not sure if that would help you
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It's worth a go, normally if you have what they used to refer to as 'An All Risks Policy' you should be covered. If your insurance company is saying no then take a good look at the small print & if you think they are ducking th eissue then go to the Financial Ombudsman. The worse thing that can happen is that they uphold the insurance companies decision. The best is that they will tell the company to pay up.

Unless you have specifically stated for tack to a certain value to be covered on your car insurance then it's unlikely you'd be covered. You are normally only covered for a small amount i.e £100.

Good Luck.
 
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Give your household insurers a warning before you go to the ombudsman. The correct procedure is the lodge a complaint with the actual company first and advise you will be referring to the ombudsman if you do not hear back within x amount of days. It costs insurers to deal with a complaint submitted to the ombudsman therefore they try to resolve before it gets to that stage. Without wishing to sound rude (I can imagine how devastated you must feel) but have you actually checked your policy wording? If should be detailed under 'items covered outside the home' or worldwide. If there are clauses on there that clearly state that items are not covered in a locked vehicle then sadly you do not stand much of a chance but if the wording is vague or non specific you may have a case. I must point out however that every policy is different and what may be covered under one insurers policy nay not be covered under another that's why you need to check the policy wording. Good luck!
 
Has the vehicle been recovered and police crime ref for the theft, malicious damage? was the tack concealed in a locked boot? was the vehicle stolen overnight and the tack was left stored in your car? These are normally the conditions on home insurance for personal possessions away from the home.
 
I had my tack stolen from the passenger seat of my car several years ago. I claimed off my house insurance and they initially refused the claim, as it wasn't in a locked boot, but, I read the small print and this wasn't stipulated, and so I refuted the claim. They paid out in full. So it is worth checking the small print with a fine toothed comb.

I hope you get the money paid out.
 
:( what a shame - it is worth persevering with them though.

Mine is on my house insurance policy - but the items are listed as I specifically asked for them to be covered away from the home. Mine is covered if it is in the boot (concealed), car is locked and force is used to get access.

I took mine off the horse insuracne as tack room at my yard not secure enough - so I take mine home and as such it is in my car every day.

I'm not sure if the car is stolen and I claim on that for car if I can also claim on house - as not sure you can claim on 2 policies for same incident?
 
I had my car stolen with all my tack in the boot. Car was found with all tack gone. Car insurance did not cover it, house insurance didn't as said it was in the car and the horse insurance said that unless it was stolen from a locked tack room or off the horse, there was no cover.

I now don't bother with tack insurance. There are so many loop holes the companies use to wriggle out of paying, no more than xx horses on yard, must be in locked tack room, etc and I just have money put aside to replace my tack.
 
I had mine stolen out of the boot of my car which was locked, in a locked garage. They tried to weedle there way out of it at first saying no, but I pushed the issue and would not give up and in the end they did pay up. Hope you get something sorted
 
It is vital that people really really read their policies before paying the premiums, and don't just go for the cheapest price. How many people know, for example, but a friend of mine found out the hard way, that where car insurance is concerned , fire and theft means the sort of fire such as arson, or accidental fire spreading from somewhere else. It doesn't cover the burning out of your car on the side of the road due to an electrical fire under the bonnet. They consider that as component failure, for which you aren't insured.

Years ago my yard was robbed and I lost my lovely Lemetex saddle. I was lucky though as my insurance paid out. I was the only person who got anything back. The others claims failed because there were more than 3 horses on the yard (??), the tackrooms were padlocked but didn't have a 5 pin mortice lock, and one because the tackrooms weren't brickbuilt. All in the smallprint though.
 
sorry to hear of your plight as uve unfortunatley found out insurance companies will try and wriggle out of paying for anything. best thing to do is go through a few 'likely' scenieros with the insurance company before taking out their insurance and read the small print v carefully.

my husband has his tools insured but there are certain stipulations on the insurance like if the tools are taken from an unlocked vehicle they will not be covered but if the tools are left just outside the vehicle and stolen then they are covered. crazy i know (and there are a few more things like this too) but i only found out these silly rules by asking the insurance company in depth about their insurance cover.

hope you manage to get something sorted - take a look at the small print yourself and see if you can beat them at their game, always worth a try! good luck
 
ladyt25 said:
I personally would have thought your house or car policy would have covered it to be honest. Most horse insurance policies won't cover theft of tack unless it's stolen from a locked building - unless you have special extensions to cover theft from locked horsebox. Was it a horsebox stolen? I thought you must have been talking about a pickup type car to start with? I would check with your house insurance again to be honest and try appeal to their better nature. It's blooming horrible I know - we've been there with having saddles (5) stolen before and insurance not agreeing to pay out for them.

It's so upsetting and frustrating when you know someone's got away with your stuff for nothing and have probable flogged it and to you that's personal items. I was so upset when they stole loads of our stuff as some of it belonged to my pony who had died - I had nothing left of his then :(

Try see if you can reach some agreement with your house insurance - that's what I'd do.
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My household insurance had a special clause for sporting goods, where I had to state value if over £150, it was covered "all risks", but if you leave goods lying about or leave a car unlocked, I bet my boots they would be pretty sticky.
I think you should look at the all risks part of the policy and see if there is a possibility of pursuing your claim.
 
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