Janet Baraclough wrote:
The message
from Charlie Pridham contains these
words:


Neither haliax nor CIS have a clause in their Domestic contents
policy that insist on "Forced entry" before paying up and it was the
full policy documents I was reading.

CIS

http://www.co-operativeinsurance.co...._HS101_WEB.pdf

Page 12, Contents Cover, Personal Money (includes cards), what is
NOT INSURED (right hand column)

section E,

(g) Loss caused by theft unless such loss involves entry to or exit
from the Home by violent and forcible means.

And at the end of the policy, are the conditions;

Conditions
1. Observance of Terms: Anyone claiming under this Policy must comply
with its terms as far as they can apply.
2. Precautions: You must take all reasonable precautions to reduce or
remove the risk of a claim arising.

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any insurer, will claim that "reasonable precautions" are laid out in
the "Insurance Industry Guide" advice provided by them to the policy
applicant., below

http://www.co-operativeinsurance.co....me?WT.svl=copy

quote
"What security devices are needed?

If your insurer has required you to introduce minimum security
standards as a condition of them insuring you, they may not provide
any cover for theft or attempted theft and/or vandalism at your home,
unless the appropriate security devices are properly fitted and used."


I consider two large dogs running free in the grounds and house 24/7 are
appropriate security devices ;-)

I've had my back door open like this for 25 years and no-one has ever dared
step inside my back gate.
I had a builder here a while ago and there was a large marrow bone in the
garden. He said "Was that your last milkman?"

Tina