Help needed-tackle stolen

[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]

[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

[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….

[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.

[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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