Help needed-tackle stolen

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    • 13/07/2011 at 5:38 pm #47818

      TF_liquid27

        Hi!
        Today morning was very sad for me:-( When I came back from work(working night shift) I noticed that all my fishing tackle was stolen from my house:-( I have home contents insurance with my bank,but now when I try to make claim they inform me that I need some of proof that I had this tackle.When I brought insurance I asked them do I will need to show them some of pictures staff what I have in my home and they say no.Now they ask me about any proofs.
        I have pictures some of my tackle (most expensive one) but I don’t have proofs for most items of my tackle,because I never think that I’ll be need them…It’s take me 4 years to complete all my tackle and I lost it in one night:-( If u could help me,maybe some of us have same tackle as me,and can send me pictures to help me proof insurance company that I had this stuff. Some of my tackle I bought from here,some on maggotdrowning and some on gumtree. This is list all of my tackle:
        1x Daiwa Tournament Pro X pole- have pictures
        1x my old Dam Litanium Mactron- have pictrues
        1x Milo Scuderia 1800 seatbox-no pictures
        2xDaiwa Spectron M2 13ft match rod- have pictures
        1xpreston mini series 11ft feeder rod-no pictures
        1xpreston mini f1 9ft feeder rod-no pictures
        1x maver powerlite feeder system-no pictures
        2xdaiwa tdr2508 reel’s-no pictures
        2xshimano stardic gtm 3000 reel’s-no pictures
        2x shimano aero 800 baitrunner reels’s-no pictures
        1xdaiwa barrow platform-have pictures
        1x daiwa tournament goretex suit-no pictures
        2xdaiwa tournament pole roller-no pictures
        1xpreston flat pole roller-no pictures
        1xpreston nylon bowl&hoop- no pictures
        1xpreston bucket+riddle-no pictures
        1xsensas try+maggot riddle-no pictures
        1xmilo rocket launcher-no pictures
        1xpreston flat back brolly-have pictures
        1xpreston monster hardcase hollldal-have pictures
        1x preston monster tackle and accesory bag-have pictures
        1xpreston monster bait bag-no pictures
        1x preston eva net bag no pictures
        1x daiwa tournament lending net handle 4m-no pictures
        3xteam daiwa lending net head-no pictures
        6x daiwa bait boxes(1pint each)-no pictures
        2xpreston pinpoint catty-no pictures
        1xdaiwa hudropult-no pictures
        1xmaver cmpetition groundbait catapult system-no pictures
        1xteam daiwa full stacking system-no pictures
        1xpreston feeder arm -no pictures
        2xpreston keepnet arm-no pictures
        1xpreston keepnet’s combo-no pictures
        around 150rigs with malman,preston,maver and mick wilkinson floats
        various hooks,line’s,preston hollow elastic
        10kg mariukiu groundbait efg130
        10kg mariukiu groundbait efg151

        I will be very,very greatefull for any help,and any pictures if u have tackle as above.
        My email is [email protected]

      • 13/07/2011 at 9:00 pm #145408

        TF_iansi01354

          Hi, to be honest I would challenge them on the need to have photos or receipts for all the details you have listed. Fair enough for the major items, I would expect to have to have listed and proved items over £1k ie TPX but the rest they are having a laugh!

          I suggest you mention you may have no option to consider referring your case to the ombudsman and see if there is a change of tune!

          They are not allowed to make unreasonable or unrealistic demands to prevent claims and I would suggest photos of keep net arms, receipts for £2 per float etc is just that!!

          I am convinced they try it on and hope you won’t push back!! If they refuse ask for written details of their complaints procedure, legally they have to provide it and then deal with you within the statutory guidelines set out therein.

          Racks me off to see the corporate machines trying to wing it!!!!

          Ian

        • 14/07/2011 at 7:06 am #145425

          TF_Smed

            on the other side of the coin, using someone else photos and passing them off as your own could be deemed as fraud….

          • 14/07/2011 at 8:39 am #145429

            TF_JohnH

              I dont think they can do this either, what they may do is send a loss adjuster to make sure you were not under insured. Imagine, god forbid, your house burnt down and you lost everything. How the heck do they expect you to prove what you had?
              They would simply make an assessment based on the size of your house, number of bedrooms etc. In my experience they will try to bully you down on your claim, thats how loss adjusters get paid. However you have a genuine claim, presumably the police were involved, and if you have cover they have to pay up. Stick to your guns and they will have to pay but if you dont have enough cover they will hold back part of the claim.

            • 14/07/2011 at 2:43 pm #145438

              TF_Vince8

                Are you somewhere in Europe mate? You have a lot of UK tackle there and a very meticulous list of things lost. Where did you buy them, if by internet you should be able to find suitable records of purchases.

                There’s a lot of this going on in the UK but some are not genuine. A bit like car insurance scams with people claiming for all sorts of injuries in staged accidents.

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