To expect her to pay costs or claim on her insurance.

[fjalladis]

I have two cars my little run around and a 4x4 which is off of the road awaiting repairs. It's been in a former friend and business partners field and about 4 months ago she requested that she have the keys so she could move it if need be. I agreed and thought no more of it. It was a legitimate reason for her to need them and stupidly let her have it despite no having a spare. Anyhow 3 months ago her car was broken into and hear bag withy my keys in stolen. She still hasn't told me that the key was in it and that it's gone. I found out by accident when a mutual friend mentioned it at dinner a few days ago. I have sent her a message requesting the keys back and she hasn't yet replied. But would I be unreasonable to expect her to pay for replacement key
Or claim in her insurance for it?

Yeah, I think you would, her insurance might try and reclaim from your insurance.

Assume you aren't paying for use if field?

Wouldn't you claim on your insurance, for your lost keys?

I rather think it depends on whether your car has been stord there for you for free or you have been paying the going rate, TBH.,

I mean it's not like she's going to have any coverage for this scenario and the car nor the keys would be an 'insurable interest' for her, which policy do you think would pay out?

Unless the field is a business, but even then nothing happened to the property in the field, it was her handbag. Oh this is a right web.

The car is being stored on the field as payment for all the work that I did for the business. So yeah I have more than paid for the cost of the car being there. The car is off of the road and on private property so not insured and my household insurance won't cover it as keys were not in my possession.

Did your friend get paid by the business and you not?

She kept the business and forced me out

And yes she was being paid

I think her insurance should pay, if she is able to recover any of the losses that way. If not, I'm not sure tbh. How much is a replacement key going to cost, and how much is avoiding animosity between you two worth to you?

We are talking £150+ not spare Change for me it's taken me months to work up the money to get it repaired to put on the road for the winter.
The friendships over she forced me out of the business after I had dropped everything missed promotions at my employed job, move hundreds of miles away from friends and family to follow a dream which once she for what she wanted from me dropped me like a stone and snatched everything from me. Needless to say we won't be best friends again anytime soon.

Ok, you might be better claiming back pay from the business with a deduction for the field use. I think if you two were just friends I wouldn't think to charge her for a replacement key (how much are they? £100 ish?)

X post, sorry.

I think that if she lost the key then yes, she ought to replace it. If you lose something of someone's then you replace it! However, if she's crapped all over you to that extent, I think you can safely say she won't be paying for your key.

I think you're looking to get blood out of a stone with that one OP. She should pay for them, yes. All you can do is ask her for it and either write it off when she refuses or take her to small claims. not sure what your chances would be though, i doubt very good. You could always ask your legal position to demand money for the keys in Legal?

there is bugger all you can do to make her pay you. if the bag was stolen you would be hard pushed to say there was any reckless negligence on her part. doubt it would be covered on her insurance and as you say, you did have insurance on the car. she didnt lose it, it was stolen.

Whoa, you've been through a rough old time there. Your backstory sounds... disturbing and life shattering. Do you have IRL support?

Why would the bag not be covered by her car insurance though? When I had a car written off and the contents disposed off before I had had a chance to collect them, my car insurance covered the bags, shoes, mp3 player that had been in the car. So, why would the OP's bag not be covered?

I would have thought if your keys were in her handbag in her car when they were stolen then she should claim from her insurance, however I don't see how you can force this.
I'd be more concerned that someone stole keys for your car so potentially could drive off in your car unless you get the locks changed fast. Is your car definitely stil there? Sounds like once you've sorted a new set of keys out you need to move your car off her property.

Have you checked your car is still there don't want to worry you but she's had your business and your car is sitting there uninsured wouldn't put it past her

Would trust her with fresh air !

I think you still should have your car insured, even if it's on private property. There is still the risk of fire and theft.

Wouldn't even !

Car is defo still there (I can see it from upstairs window) and little risk of it being stolen as a) it currently has no wheels on and b) it's in a corner of a field full of semi feral ponies which are a challenge to get past even for those of us who know what we are doing and c) it's not viable from any roads.

Unlikely that It would be set fire to and has no fuel in it or much oil and is not in a building so risk of fire is low too and cost of insurance would set me back even further from getting it fixed.