Car stolen with keys....

[Alps]

My cousin was a proud owner of a brand new BMW 320i "08" plate, got it on friday just gone... last night, he was beaten up outside his front door in stratford, for his car keys, and the 2 scumbags drove off in the car.

has anyone got any experience of of the position with insurance companies if the keys were used to steal a car... i remember in the past they wouldnt cover you...not sure what the position is now....

im just helping him cover all angles as he has hurt his back during the attack.

 

[purplegoddess]

hope he wasnt hurt to badly,and everything works out for him

 

[Benzowner]

Hope he is ok, Not sure of the insurance bit here, but surely if he was mugged, they would still insure the car, did he report the incident to the police?

 

[Alps]

Hope he is ok, Not sure of the insurance bit here, but surely if he was mugged, they would still insure the car, did he report the incident to the police?

yep all reported at the time, police casually came over 4 hours later to take a statement........ they took his wallet at the same time which was found earlier this morning, lets hope they get some prints off that!

 

[Carrotchomper]

yep all reported at the time, police casually came over 4 hours later to take a statement........

Please don't think that nothing happened in the intervening time. Whilst I would ideally have expected an immediate response to an incident like this, the details of the car would have been recorded as stolen straight away and believe me, the area would have been swarming with traffic etc. out looking for the car. The forensic opportunities at the scene would probably have been minimal.

 

[rf065]

Please don't think that nothing happened in the intervening time. Whilst I would ideally have expected an immediate response to an incident like this, the details of the car would have been recorded as stolen straight away and believe me, the area would have been swarming with traffic etc. out looking for the car. The forensic opportunities at the scene would probably have been minimal.

I very much doubt any of that is likely.
In Scotland at least, it was revealed that on some weekends there are as little as 24 police officers on the streets covering the whole country.
That's why there is no immediate response anymore, unless there is a bank robbery or a murder.


Russ

 

[st4]

Thats a horrible story, I hope its okay.

The police took 4 hours to come, thats appalling, but I do think they would have alerted their traffic division sooner than that, to catch the car.

That is, of course, that the force weren't all engaged to safety camera vans looking for the 3mph over the limit speeder.

About the insurance, it should pay as it was theft, and he took "reasonable care" of the keys, i.e. they weren't left in the car or in sight of a thief.

 

[recycled]

he will be covered.
Only if you leave the keys unattended in the car.
I know someone who was robbed with the key but because there was an adult in the car it was okay.
best to check wih the insurance though.
i do not know about yours but as i have first hand experience of this, now it is stolen it will be low on the priority list ,unless they start using it for robberies.
to be honest mine was driven up and down streets full of CCTV and cameras for 5 days and they still could not find it .
At the end a few of me and my friends got out and finally found it ourselves but almost ended up in court for various related things e.t.c to the robber which i cannot go into detail here.
Basically no help from the you know who, whatsoever.
Only heard from them when they were threatening me with tampering with stolen evidence

 

[rf065]

The police took 4 hours to come, thats appalling, but I do think they would have alerted their traffic division sooner than that, to catch the car.

I seem to recall a few years ago that the "traffic division" had been done away with and merged with the normal police (cost cutting). Maybe someone with police connections could verify that or not?

A work colleague had his house broken into and they used his wifes car to transport the stolen goods before abandoning it on a run down estate less than a mile away. They found the car themselves with no help from the police at all, despite the police suggesting someone from the estate was most likely to have broken into their house.

Russ

 

[fredfloggle]

Please don't think that nothing happened in the intervening time. Whilst I would ideally have expected an immediate response to an incident like this, the details of the car would have been recorded as stolen straight away and believe me, the area would have been swarming with traffic etc. out looking for the car. The forensic opportunities at the scene would probably have been minimal.

Sorry, don't like to offend you, but in the case of personal injury (is that still ABH/GBH?) and aggravated theft, then I would expect an immediate response - possibly nothing could be done save reassure the poor chap, but isn't an immediate response what he should expect for paying his taxes?

Whilst we couldn't expect 4 minutes response, I would expect less than 40 minutes, and certainly less than 4 hours.

I suppose he did well - I had a car stolen 2 years ago, and I'm still waiting.

 

[grober]

Make sure he has a copy of the police report and/or incident number to forward to his insurance company. Don't leave it too long while it is still fresh in the memory of everyone involved. If he hurt his back and was off work he might be able to claim from the criminal injuries compensation authority. https://www.cica.gov.uk/portal/page?_pageid=736,1&_dad=portal&_schema=PORTAL

 

[fabes]

Hi

Awful experience

Insurers only apply the key exclusion if they are left in the car unattended (or some bucket shop offices will add in - from unlocked house)

If taken with force, the clause will not be applied and a theft loss registered

If they wriggle (though I doubt with a brand new beemer it was some bucket shop insurer he used) then involve the ABI, but its a covered event

Pass on sympathies

Fabes

 

[pammy]

Ditto what Fabes said - a truly awful experience.

 

[Dieselman]

At the end a few of me

How many of you are there..??

 

[Carrotchomper]

Sorry, don't like to offend you, but in the case of personal injury (is that still ABH/GBH?) and aggravated theft, then I would expect an immediate response - possibly nothing could be done save reassure the poor chap, but isn't an immediate response what he should expect for paying his taxes?Whilst we couldn't expect 4 minutes response, I would expect less than 40 minutes, and certainly less than 4 hours.

I suppose he did well - I had a car stolen 2 years ago, and I'm still waiting.

Nope, I didn't mean to insinuate that I thought 4hrs was an acceptable response, however SOMETHING was happening in the intervening time, and in fairness there was little PRACTICAL use in going to the scene itself, rather than trawling around for the car.

 

[crockers]

This is an awful story .......

The keys were stolen and the car was stolen - so don't worry it is fully covered..

How is your cousin? Hope he isnt too shocked or hurt..

 

[prprandall51]

I very much doubt any of that is likely.
In Scotland at least, it was revealed that on some weekends there are as little as 24 police officers on the streets covering the whole country.
That's why there is no immediate response anymore, unless there is a bank robbery or a murder.

Russ

Is that true? In the whole of Scotland - including all of Edinburgh and Glasgow (and Inverness and Stirling and Oban and...) there are only 24 police officers out on patrol. The crims must have a field day every weekend.

This completely cuts across everything I have observed from watching Taggart and Rebus. No wonder there are so many "murrrderrs".

 

[fredfloggle]

Nope, I didn't mean to insinuate that I thought 4hrs was an acceptable response, however SOMETHING was happening in the intervening time, and in fairness there was little PRACTICAL use in going to the scene itself, rather than trawling around for the car.

Tongue in cheek - if his road tax had been out you would have been there....

Not only does a job have to be done, it has to be seen to be done.

A few years ago I caught a burglar (actually the silly bugger accepted a lift in my van) . I tenderized him a little while the police were on their way ( they couldn't find him with the dog and helicopter), and when they turned up the twit of a policeman from Uxbridge actually had the cheek to look at the tax disk on my van -notwithstanding that I was standing on his prisoner at that point. You can imagine that views were exchanged on this subject, and the burgler was rather glad to get in the back of the police car. I heard later that he was released after a caution (but the buggers would have nicked me for no tax)
You just can't win.

One bit of advice - if you do catch a burglar, give him a good panelling before you call the police.

 

[television]

Last nght I looked at the V70 keys, and then put them out of sight thinking that it was a small chance of someone strealing them, then we have this post today.

 

[Dragon]

Is that true? In the whole of Scotland - including all of Edinburgh and Glasgow (and Inverness and Stirling and Oban and...) there are only 24 police officers out on patrol. The crims must have a field day every weekend.

This completely cuts across everything I have observed from watching Taggart and Rebus. No wonder there are so many "murrrderrs".

What he said it probably true. When I was in London and wanted to report an incident at Charing X police station on a Sunday, the receptionist policeman told me he doesn't want to know anything other than being robbed or stabbed. There sitting on a chair was a guy trying to stabbed himself and outside there was a man shouting he had been robbed of his wallet.

The polices are human beings too and they are entitled to their social weekends. Coupled with budget cut this is the end result.