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No it wouldn't.
I mean, it might do, it sounds monumentally unlikely but I don't know what it says on your insurance policy or indeed which policy you're referring to. Buildings? Contents? Motor? Something else? What if your partner lives with you, are you the only one with keys?
But nonetheless, my unsubstantiated "fact" is as valid as yours is. After five+ futile years in the brexit threads I think this is going to be my new approach. Any time someone pops up with random bollocks whilst providing no further context or explanation I'm just going to say "no it isn't." Dismissing something requires the same weight of argument as the original claim and this is all too often none whatsoever.
You heard it here first.
I pay 45 quid per year for keycare. You get a tag with a number for the finder of your keys to call and they get a tenner reward for being a nice person! It's worked on three occasions over the last few years.
This would invalidate your insurance.
Posted 7 hours ago
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Cougar
Full MemberNo it wouldn’t.
The usual words in the policy are something like 'take the necessary steps to fully secure your home', and giving a key away might give them a reason to reject a claim if that key was then used. Unlikely.
Mentioned here... https://www.confused.com/home-insurance/guides/how-keys-can-invalidate-your-home-insurance-policy
insurance policy
99.99999% times someone on here says it invalidates your policy, they're just making shit up. I actually went and read mine years ago after a thread on here, no mention of fire places, chimney cleaning, key safes, whatever other nonsense people spout on STW etc.
There should really be a version of Godwins law for someone mentioning insurance policy on an STW thread. It basically means they have nothing useful to say, have lost the argument but won't back down.
This is what my grandmother did just in case if she forgot her keys:
she made duplicate keys - for the car and for the house. and she made sure that all of us has one just in case she forgot or dropped hers somewhere.
she made her keyring heavy enough that it'll stay at the bottom of her bag. it also creates noise, so when she shakes her bag, she'll know it's just there somewhere.
she had duplicate keys lying around the house (for the car key).
also, maybe leaving a keychain with a contact number, just in case a good samaritan or whatnot will return it.
No it wouldn’t.
what about if it were the neighbor that stole your stuff? 😉
99.99999% times someone on here says it invalidates your policy, they’re just making shit up. I actually went and read mine years ago after a thread on here, no mention of fire places, chimney cleaning, key safes, whatever other nonsense people spout on STW etc.
My policy has quite a bit of detail on exclusions. And loss assessors do challenge if no forced entry IME. We had this problem in a flat in Bristol, they didn't pay out.
well, I googled it. Seems a lot of insurers won't pay out if there isn't sign of forced entry. So, if the thieves actually use the keys that you gave to your neighbours, then yeah you might well be in trouble. But does the act of giving them the keys invalidate the insurance? No.
Exactly. And that's what it says on the link Jamze posted. It boils down to taking a degree of responsibility for your own security.
Someone gaining access to your property using your own key would generally imply some form of negligence unless they've taken them from you on your doorstep by threat of violence or something. This is unlikely to happen if I leave an unmarked key at a mate's house for safekeeping unless my mate is Housebreaker Harry.
Agreed. Our flat had a shared entrance, we gave keys to lots of mates, and it was often left on the latch as more convenient. So I wasn't really surprised when they wouldn't pay for my nicked bike 🙂
I haven't lost a key since I was 9 years old.
Buildings? Contents? Motor? Something else?
No idea, ask the op what kays he's referring to 😕
For contents there needs to be the positive sign of a break in, and i suppose that will be the same for motor too.
Buildings 😕 do you reckon people break in to steal your windows or bricks 😆
It basically means they have nothing useful to say, have lost the argument but won’t back down.
Argument ?, I didnt realize there was one, but it does appear that you've lost the plot bud 😆