House Insurance - Forcible and Violent Entry

Summary
Does your home insurance cover you for break-ins ? Many thefts happen when there is no sign of a break-in

House Insurance - Forcible and Violent Entry

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Forcible and violent entry (f&ve) is the terminology used within house insurance to describe break-ins.

Most home insurance policies will cover you for theft claims made with no forcible and violent entry. That is to say that despite their being a theft there was no sign of break-in such as a broken window or door.

Common claims follow doors or windows being left open or workmen stealing from the household.

Often home insurance companies also restrict the level of non-f&ve cover available to residents of the home living away in temporary accommodation. The most typical example is students who are covered under their parents home insurance policies. Not having their possessions covered for theft without f&ve is not in keeping with student lifestyles where students are used to coming in and out of each others rooms. Our student claims experience suggests that over a third of theft claims follow no sign of break in to the property. Specilaist student insurance is available in these circumstances from companies like http://www.endsleigh.co.uk who can cover students under a specialist policy.

On a standard home policy covering non students, non - forcible and violent entry cover is normally provided but their can be exclusions with cash being the most likely exclusion.

To find out what cover you have, you should always check your policy. You should also be aware that their is a fine line between a non f&ve claim and negligence on behalf of the policyholder which can invalidate claims.

Tim Larden writes for yourhomeinsurance.co.uk a site with information about the UK House Insurance and is a site specialising in cheap contents insurance. Their policies include cover for forcible and violent entry. For a quote on contents insurance , you can use that specialist area of the site. If you live in shared home or flat - there is a lot of specific information relating to forcible and violent entry on the site.

Readers please note : You should undertake your own background checks before taking any action on any aspect mentioned in this article. Where the author has mentioned specific product details or given examples of how companies have reacted to specific situations, these should be correct as far as the author is aware when this article was written. In some cases additional background information not mentioned in the article has been used in obtaining the examples. Some examples or quotes may have been taken from information available in the public domain where all the background details may not be available. Insurers do change policy conditions and underwriting approach. They will view each situation on its own merits.

You should be aware that details of the topics written about within the articles can change. Therefore, always check out the current position before taking any action. You should also check that any action you are considering, or any proposed purchase, is suitable for your personal circumstances.