Auto and Car Insurance

Direct line insurance.?

Direct line !? Hello, on 10th of december i had my car stolen while doing a delivery for a takeaway and what happend was when i went to give the delivery to the house i left my car with the keys on ! and as soon as i turned it was gone and since then i called my insurance which to be direct line and they have asked me so many questions about and talked over the phone for like 1.30hrs and been sent letters to draw the crime scene to send back to them and still now my bmw is still in the garrage with one minor damage and they are not doing any thing about it . why is this. and i got told by one of my freinds that if the keys where on the car they will not do anything.

Public Comments

1. We used to have our house insured with them until we had to make a claim, since then, we've taken our business elsewhere.
2. some insurance firms will not pay out if the care is stolen coz of your negligence. the take aways must be expensive if you can afford to deliver them in a BMW
3. i wouldnt go with direct line, i am with aami and they are also cheap but good to deal with
4. If you're insured with Direct Line, you'll soon find the meaning of the phrase "no claims discount". You get what you pay for in this world - that's why Direct Line are cheap.
5. Hi I think u broke at least 4 parts of your contract with D Line if u read your Policy, first, No private hire,second, No business use, third leaving the Vehicle unlocked, fourth, leaving the vehicle with the keys in ignition. I am very surprised they spoke to u for so long, it would have taken me a lot less time to tell u there would be no payout, think yourself lucky if u add had an accident and someone was hurt u would have been liable.
6. It depends on whether the insurance company policy has a 'keys in car' exclusion in their theft section. This is the policy exclusion loss or damage caused by theft or attempted theft if the keys or other device which unlocks your car is left in or on your unattended car, or if your car has been left unattended and not properly locked The question then is "Was the vehicle unattended?" You may have to take legal advice on this but in the original case (Norwich Union) it was held that the vehicle was NOT unattended when the owner went into the garage to pay for petrol when the vehicle was on the forecourt so you should have a good case, if all you did was walk up the drive and the car could be seen from the door. I suggest you press the company to settle the claim. Point out their obligations under FSA rules for handling claims fairly and promptly and also under FSA TCF guidelines.