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I had my house burgled last night and have had most of my valuable belongings stolen. I am a bit worried about making an insurance claim. The reason for this being that I literally only took out contents insurance last Friday. So will making a claim so early into the policy have any complications?
I really need to replace what has been taken but am worried about potentially being investigated for fraud or something due to making a claim so quickly.

4 Thoughts on Household contents insurance and making an early claim?
  1. Reply
    Fred C
    June 9, 2011 at 11:27 pm

    You will have to sign an affidavit, very likely notarized. There will be an investigation, there always is in cases where claims are made right after a policy is effective. If the time and date of the burglary are confirmed by the police, and you are honest and forthright with the insurance investigator (likely an independent specialist, not a company employee), your only problem should be the delay caused by the investigation.

  2. Reply
    June 10, 2011 at 12:22 am

    You have nothing to worry about.

    Insurance companies are not there to catch out the honest. Proceed with your claim with confidence.

    No doubt the insurance company will be on alert because the claim was made so early but the police report will be their point of reference to investigate this.

    I am assuming that there was sign of forced entry (broken door / window) – This will put the insurance companies mind at further rest – It is unlikely you were broken into, then bought insurance, left it a week and then got the police out to show them where they broke in!

    Regardless, don’t worry – You have nothing to hide, it is just unfortunate but thats why you buy cover. Hopefully they give you great service, you use their products again and they might get some back! If not, thats the gamble of insurance – There will be plenty of years you pay for nothing!

    I bet you are glad you made the call.

  3. Reply
    June 10, 2011 at 12:44 am

    They may investigate it more closely than the ordinary claim because of the close proximity of the date of loss and date of policy inception, however if you’ve reported this to the police then they would have no basis for denying the claim.

  4. Reply
    June 10, 2011 at 12:48 am

    Easy answer question,no.Not solvable question,no.Browse this information,your answer may be here

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