If you have been burgled, you will need to do the following:
- Get out of the house straight away as the burglar may still be inside.
- Contact the Police, report the incident, they will give you a crime reference number (keep this safe as you will need it when making an insurance claim).
- When the Police arrives, show them paperwork or serial numbers for any possessions missing.
- Do not touch anything – the Police may need to take fingerprints.
- Once inside the property, get a pad and pen and make a note of what is missing and/or damaged.
- If you believe debit or credit cards have been taken, contact your bank or credit card company.
- Make arrangements to make your home more secure.
- Contact your insurance company.
You will need to have the following handy:
- Receipts of property damaged or missing with serial numbers.
When you suffer a burglary in your home you may not be covered under your insurance on these conditions:
- You left a window or door open and/or unlocked.
- If you have a burglar alarm and you did not activate it.
- If there is no evidence of forced entry.
- You did not state the correct type of locks your property has when filling out an application form for insurance.
- You did not report the incident to the Police.
- You did not secure valuables in your outside space.
- If you left your home unoccupied for a long period of time.
- If you use your home as a place of work and did not divulge it to your insurer.