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Stolen tools insurance claim

Discuss Stolen tools insurance claim at UK Plumbers Forums; Hello, Today/last night sometime my 18v DeWalt SDS was stolen from a van owned by a guy I work for, it was parked outside another subbies house as he is ...
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    Default Stolen tools insurance claim

    Hello,

    Today/last night sometime my 18v DeWalt SDS was stolen from a van owned by a guy I work for, it was parked outside another subbies house as he is the one insured to drive it. I'm fully insured but I'm curious as to how a claim will affect next year's premium, if at all.

    Any advice from anyone that's been in my position is welcome.

    Also, who would you hold responsible for the drill? Myself for leaving it in the van, the guy who had the van at the time or the company I sub for that owns the van?

    It'd be great for if either of the others took responsibility and atleast paid for the insurance excess.

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    Default Re: Stolen tools insurance claim

    Have a look at your excess, might be more than the cost if the drill. All insurance company's pass information, so your premium might go up.
    as for who is responsible, that's you I'm afraid. Unless you have an agreement with your employer, but as you sub contract. I bet there isn't one.

    sorry to be the bearer of more bad news after the theft.

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    Default Re: Stolen tools insurance claim

    The drill is worth nearly 4.5x the excess, so it's lower than the cost of the drill. The premium was the thing I'm more bothered about.

    There's no agreement, it just means that I won't be using my own tools in the future if others aren't going to take responsibility when my tools are in their care/possession.

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    Default Re: Stolen tools insurance claim

    If you make a claim it would need to be worth while. The premiums on the insurance may affect you for a few years to come.
    "Plumbing is not my hobby its my living!"

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    Default Re: Stolen tools insurance claim

    That's exactly what I want to know from people who've been in my position.

    Drill is £400-450 depending where you buy it from. Excess is £100. So if my insurance is going to increase by £100 over the next three years, the claim isn't worth it.

    But it does mean that I'll basically be paying for the drill over 3 years instead of a lump sum. Work is lacking at the moment and don't want to be paying out £400 if I can help it.

    Hoping the guy I work for will be decent and pay the excess but I'm not holding my breathe.

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    Default Re: Stolen tools insurance claim

    premium shouldnt go up unless you claimed in last 4 years!

    you need an incident number
    Last edited by REDSAW; 10-03-2015 at 10:42 PM.
    ¡ƃuıɥʇou ʍouʞ ı˙˙˙ɹǝqɯǝɯǝɹ puɐ
    ˙ʎlddɐ ʇou pǝǝu sǝoɹǝɥ oƃ ɐ ǝʌɐɥ puɐ ǝldoǝd qoɾ ppo `sɹǝ,ʎıp ˙slıɐʇǝp ɹnoʎ ɹoɟ ʞsɐ ǝʍ uǝɥʍ pǝpuǝɟɟo ǝq ʇ,uop ǝsɐǝld os `ǝʇısqǝʍ ǝɟɐs sɐƃ ǝɥʇ ɐıʌ ǝuınuǝƃ ǝɹ,noʎ ʇɐɥʇ ʇno ʞɔǝɥɔ llıʍ ǝʍ ¿ǝɔıʌpɐ ɹıɐdǝɹ ɹǝlıoq ɹo ʎʇǝɟɐs sɐƃ ʇuɐʍ noʎ op
    ¿ʞɹoʍ sɐƃ

    ˙lɐoɔ puɐ pooʍ `sɐƃ `lıo ƃuıpnlɔuı `ʇuɹnq sı lǝnɟ ʎuɐ uǝɥʍ pǝɔnpoɹd ǝq uɐɔ ǝpıxouoɯ uoqɹɐɔ :ʇuɐʇɹodɯı


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    Default Re: Stolen tools insurance claim

    Never had a claim before. It's my first year of having my own PLI insurance.

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    Default Re: Stolen tools insurance claim

    Quote Originally Posted by edd789 View Post
    Never had a claim before. It's my first year of having my own PLI insurance.
    that goes against you as you aint got 'no-claims' discount..what about the other tools!!!!!!
    ¡ƃuıɥʇou ʍouʞ ı˙˙˙ɹǝqɯǝɯǝɹ puɐ
    ˙ʎlddɐ ʇou pǝǝu sǝoɹǝɥ oƃ ɐ ǝʌɐɥ puɐ ǝldoǝd qoɾ ppo `sɹǝ,ʎıp ˙slıɐʇǝp ɹnoʎ ɹoɟ ʞsɐ ǝʍ uǝɥʍ pǝpuǝɟɟo ǝq ʇ,uop ǝsɐǝld os `ǝʇısqǝʍ ǝɟɐs sɐƃ ǝɥʇ ɐıʌ ǝuınuǝƃ ǝɹ,noʎ ʇɐɥʇ ʇno ʞɔǝɥɔ llıʍ ǝʍ ¿ǝɔıʌpɐ ɹıɐdǝɹ ɹǝlıoq ɹo ʎʇǝɟɐs sɐƃ ʇuɐʍ noʎ op
    ¿ʞɹoʍ sɐƃ

    ˙lɐoɔ puɐ pooʍ `sɐƃ `lıo ƃuıpnlɔuı `ʇuɹnq sı lǝnɟ ʎuɐ uǝɥʍ pǝɔnpoɹd ǝq uɐɔ ǝpıxouoɯ uoqɹɐɔ :ʇuɐʇɹodɯı


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    Default Re: Stolen tools insurance claim

    I have no claims discount but strangely, they took my years at college as 'experience'. So instead of having 2/3 years experience, I've got 5/6.

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    Default Re: Stolen tools insurance claim

    had a claim like this years ago, claimed of the companies van for inadequate locks on the truck.
    your insurance may counterclaim of the van ins ?
    ¡ƃuıɥʇou ʍouʞ ı˙˙˙ɹǝqɯǝɯǝɹ puɐ
    ˙ʎlddɐ ʇou pǝǝu sǝoɹǝɥ oƃ ɐ ǝʌɐɥ puɐ ǝldoǝd qoɾ ppo `sɹǝ,ʎıp ˙slıɐʇǝp ɹnoʎ ɹoɟ ʞsɐ ǝʍ uǝɥʍ pǝpuǝɟɟo ǝq ʇ,uop ǝsɐǝld os `ǝʇısqǝʍ ǝɟɐs sɐƃ ǝɥʇ ɐıʌ ǝuınuǝƃ ǝɹ,noʎ ʇɐɥʇ ʇno ʞɔǝɥɔ llıʍ ǝʍ ¿ǝɔıʌpɐ ɹıɐdǝɹ ɹǝlıoq ɹo ʎʇǝɟɐs sɐƃ ʇuɐʍ noʎ op
    ¿ʞɹoʍ sɐƃ

    ˙lɐoɔ puɐ pooʍ `sɐƃ `lıo ƃuıpnlɔuı `ʇuɹnq sı lǝnɟ ʎuɐ uǝɥʍ pǝɔnpoɹd ǝq uɐɔ ǝpıxouoɯ uoqɹɐɔ :ʇuɐʇɹodɯı


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    Default Re: Stolen tools insurance claim

    I'm sure they'd try to get their money back some how. There's been loads of burglaries around here lately, apparently there's a group of people with a Ford Transit skeleton key getting into vans and taking the contents. That what the police said when we reported it earlier.

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    Default Re: Stolen tools insurance claim

    Where you based ed. my mates both got done over on a site by a guy with a skeleton key. In reading.

Everybody loves a good deal: Deals and Discounts on Dozens of Powertools!
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