Home insurance - Problems after burglarly but nothing stolen

Based on resolver’s experience to date, even if nothing is stolen, being broken into is a stressful and unnerving event. If no items have been stolen then there is nothing to claim from your contents insurance. However, if the forced entry resulted in windows, doors or locks being damaged you could claim on your household insurance. Be aware that you would have to pay your agreed excess and use a repair company approved by your insurer. Depending on the damage, it might work out cheaper to pay out of pocket to get the repairs done, rather than paying the excess and losing any no claims bonus. Also note that by making a claim on your insurance, your renewal premium will most likely increase too.

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If you can't resolve your issue within 8 weeks of making your complaint (or if you've received a 'deadlock letter' or final decision from the company), you can escalate your case to the Ombudsman.

Your complaint must be under 6 months old to be escalated to the Ombudsman.

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