Last updated: 02 November 2025

Theft Claims

Theft is a shock as much as a loss. This guide focuses on calm steps that protect you, satisfy policy requirements, and get you back on your feet with the least hassle.

Immediate actions

• Call the police and get a crime reference number.
• Photograph entry points and disturbed areas.
• Secure doors and windows; keep damaged locks or frames for inspection.

Proof of ownership

Receipts, bank statements, manuals, serial numbers, and photos all help. For jewellery and high-value items, valuations or appraisals speed things up.

Security conditions

Some policies specify minimum locks or alarms. If you meet the standard, say so in your report. If not, be honest and focus on how entry occurred.

Settlements

Insurers may offer vouchers or like-for-like replacements via partners. If you prefer cash, ask whether the offer reflects typical retail pricing.

Common questions

• Are garden items covered? Sometimes, within limits — check contents in outbuildings or garden cover.
• What about sentimental value? Policies pay the economic value; consider whether a replacement voucher or cash works better for you.