only a mug would report those facts

"stolen at knifepoint" is the line to adopt

 

Used to do the de-icer or kettle of warm water thing...

Now much more civilised...

I get in, close door, start engine, engage heated seat, turn on front and rear heated screens (which defrost mirrors) after about 20 seconds the frost is soft enough for the wipers to remove it and we're off...

Love the Jag... but still miss the S

 

Difficult one-depends what line of business you are in.

More than my jobs worth-possibly

BTW my dad is a mug

 

and the value of the car

 

Like I said-difficult one.

Risk for me would be kicked out of my profession of any sniff of fraud.

Cost of car vs future earning power.

 

Not if they chucked a bottle/thermos full of hot water over it they wouldn't. I de-ice my car in about 30 seconds doing that. Someone could do it to yours and be off in it in the same time.

Have to agree with Gad though, if I was stupid enough to leave my keys in the car when it got nicked, I'd headbut the nearest wall for a good looking bruise then walk round to the police station and claim robbery.

 

well, I can see that

but provided you weren't seen, I can't see what evidence to the contrary the insurer could use against you

and if it comes down to the word of thieving scrote versus while collar professional - I call no contest

happened to me once - someone complained, but the Police believed me

postcodes help

the insurer had no chance of extricating themselves from my Ferrari claim - despite my frank admision that the key had been stolen without the use of force - I had left the front door open

and in fact there have been payouts in scenarios such as Mark describes

the Ombudsman has ruled that you can be out of a car without necessarily falling foul of 'leaving the vehicle unattended'

 

What's the difference really (apart from stupidity), between your car being stolen with the keys in it while you were in the house, versus your car being knicked with the keys in it whilst you were present?

Only a very small one IMO, and to lose a payout to the value of your car from being honest over such a fact would be madness.

We're all different though I suppose, but my programming just couldn't allow me to own up. Then again my programming wouldn't allow me to leave my car running with the keys in it anyway!

 

Difference is moral hazard.

Insurance companies don't like moral hazard.

10 years ago my programming would be the same as you. Now I am not so sure.

 

Moral hazard

Insurance companies like to penalise people for making mistakes

Which is one of the things the policyholder thinks they are protecting themselves from - their own stupidity

What's the difference between leaving a bath to overflow and leaving your keys in the ignition?

Other than the insurer's lkely reaction to the claim