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Original poster

Devastated- insurance advice please

61 replies

Chaneltheft · 08/10/2023 20:44

In London for the weekend , just returned to car to back windscreen smashed in, many items stolen but worst of all my Chanel bag which I returned to the car deliberately for safekeeping.

this is the only designer bag I have, saved for years and highly unlikely to ever be in a position to buy one again.

bag was very well hidden.

I have a crime ref and police have left notes and police tape on the car.

is there any chance at all that insurance will cover this ?

please please please help

OP posts:
Original poster
Chaneltheft · 08/10/2023 21:07

Hi it was locked . They smashed the back windscreen

OP posts:
MatthewsMumFromTikTok · 08/10/2023 21:07

Chaneltheft · 08/10/2023 20:53

Yes sadly I think you’re right. Having a baby and toddler with me probanly made me less aware of surroundings

That should be making you MORE aware!

boodlebeep · 08/10/2023 21:06

I think most home insurance covers items stolen from a vehicle up to a limit (you will need to check what this limit is on your policy) however most stipulate the item under claim must have been locked in glove compartment or boot. Wishing you well.

Loverofoxbowlakes · 08/10/2023 21:05

MrsPetty · 08/10/2023 20:59

That’s so horrid OP. I’ve looked for insurance for my handbags for years … it doesn’t exist 🙁 it’s possible to insure the contents, but not the bag itself. I rarely bring designer bags with me these days. It’s not worth the stress. I hope you manage to make peace with it. If you managed to have one before, you’ll be able to have one again. But I feel your frustration. I worked hard for every handbag I treated myself to. It’s such a horrible sign of the times that it’s not safe to use them.

Of course you can, every policy I've ever had allows you to get extra cover for expensive items out of the home, a £6k bag would definitely fall into this category.

And op wasn't using the bag out and about, it was left in the car!

Loverofoxbowlakes · 08/10/2023 21:02

Thanks what I really want to know is is there anything I can actively do now to increase the Chance of a claim being successful ?

Literally the only thing that matters is if your bag and other items are covered either in your car insurance or as items away from the home (very unlikely for any home contents insurance to cover expensive items, say over £250, outside the home unless specified individually. And then they'd need to have been locked in the boot not just left in the car under a blanket).

Have you read your policy documents op?

Worriedmum159 · 08/10/2023 21:02

HiggyHop · 08/10/2023 20:46

How on earth would you think a bag is safe in a car? What kind of safekeeping is that?

How dare you have nice things OP. Carry everything round in a Sainsbury’s bag for life. You shouldn’t even have a car. Shame on you. If you have things, you should hope they get stolen in order to redistribute wealth fairly.

VivaLaVolvo · 08/10/2023 21:01

MrsPetty · 08/10/2023 20:59

That’s so horrid OP. I’ve looked for insurance for my handbags for years … it doesn’t exist 🙁 it’s possible to insure the contents, but not the bag itself. I rarely bring designer bags with me these days. It’s not worth the stress. I hope you manage to make peace with it. If you managed to have one before, you’ll be able to have one again. But I feel your frustration. I worked hard for every handbag I treated myself to. It’s such a horrible sign of the times that it’s not safe to use them.

Of course it is
We can name any item over £1000, £2500 and £5000 on out home insurance

VivaLaVolvo · 08/10/2023 21:00

A mixture of air and home insurance would cover it for me- check your limits for valuables away from home and valuables in the flat
if it is a named item on the insurance then should be no problem

MrsPetty · 08/10/2023 20:59

That’s so horrid OP. I’ve looked for insurance for my handbags for years … it doesn’t exist 🙁 it’s possible to insure the contents, but not the bag itself. I rarely bring designer bags with me these days. It’s not worth the stress. I hope you manage to make peace with it. If you managed to have one before, you’ll be able to have one again. But I feel your frustration. I worked hard for every handbag I treated myself to. It’s such a horrible sign of the times that it’s not safe to use them.

Steev · 08/10/2023 20:58

My home policy is excellent but I don't honk they would pay if I'd left it in the car. Was it at least locked in the boot?

FormerlySpeckledyHen · 08/10/2023 20:55

Forgot to say sorry it happened to you and fingers crossed your insurance might cover it.

Coatscoatscoast · 08/10/2023 20:55

Is it worth checking bins/hedges etc nearby? If they didn’t know the value of the bag itself they might have ransacked it and dumped it

Heyhoherewegoagain · 08/10/2023 20:53

You can only try….albeit this was 20 years ago, but my house insurance paid out when my handbag was stolen from my car

Original poster
Chaneltheft · 08/10/2023 20:53

Yes sadly I think you’re right. Having a baby and toddler with me probanly made me less aware of surroundings

OP posts:
FormerlySpeckledyHen · 08/10/2023 20:52

This happened to my SIL and her bag wasn’t covered. They probably watched you put it in there.

Original poster
Chaneltheft · 08/10/2023 20:51

Thanks what I really want to know is is there anything I can actively do now to increase the Chance of a claim being successful ?

thank you for all the comments and yeh of course I wish I’d just kept it on me now

OP posts:
fattytum · 08/10/2023 20:51

no one here knows what your insurance policies say. Goodluck though

Ratfinkstinkypink · 08/10/2023 20:51

Check your house insurance for single item cover, you might be able to claim that way.

Soontobe60 · 08/10/2023 20:50

Presumably your bag is covered under your house insurance?

Findyourneutralspace · 08/10/2023 20:50

Some policies will cover, some won’t. My friend’s makeup bag was stolen with some expensive cosmetics, which added up to quite a lot, and they paid, but you’d have to check your policy and excess.

Tilllly · 08/10/2023 20:50

HiggyHop · 08/10/2023 20:46

How on earth would you think a bag is safe in a car? What kind of safekeeping is that?

Not v helpful

OldTinHat · 08/10/2023 20:50

As PP has suggested, this may be covered under your household contents insurance policy if you have a good, comprehensive 'valuables out of home' type of cover.

Sorry this happened to you 😢

cartagenagina · 08/10/2023 20:49

HiggyHop · 08/10/2023 20:46

How on earth would you think a bag is safe in a car? What kind of safekeeping is that?

I have to say I do find it incredible you would do this. I expect the insurance company would be very suspicious.

Why would someone break into your car? What was on display for them to choose your car?

ASCCM · 08/10/2023 20:49

I’d say no, my house insurance covers items up to £3k when I’m out and about but I’ve had to insure all bags and jewellery over that individually. I’m not sure they would pay up if I’d left it in the car

I’m so sorry, I’m not sure how long you’ve had your bag but they are retailing around £6k now :(

Original poster
Chaneltheft · 08/10/2023 20:49

We had stayed overnight so there was an Adidas bag and kids trunki in the boot

OP posts: