Take reasonable precautions
The fact that thieves may be interfering with the locking signals of remote locking devices on vehicles is now quite well known and publicised. There has been ample press coverage on this issue and on other instances of criminals attempting to over-ride vehicles' locking systems.
One recent article suggests that thieves use a household remote, such as the type used to open garage doors and gates, to block the signal of the car’s remote.
This means that an unsuspecting motorist who locks their vehicle with a remote may have not actually locked it, as a thief hcould have been observing and pressed a household remote at the same time. This interferes with the vehicle's remote and preventing the locks from engaging. Thieves then open the unlocked doors and steal items inside the vehicle.
This type of loss would be rejected, if a claim was submitted as cover for items in vehicles is subject to forcible and violent entry into the vehicle.
It would therefore be prudent for each vehicle owner or driver, as a reasonable precaution, to ensure the vehicle is indeed locked before leaving the vehicle, especially if there are valuables in the vehicle.
One should not assume the vehicle is locked merely because one pushed a button. Check first before walking away.
We are not in favour of relaxing our underwriting rules on something that can result in frequent losses for something which should be a reasonable precaution taken by our clients.
We have also taken this matter up with the Ombudsman’s office who confirmed they agree with the stance taken and will uphold such a decision by an insurer.
In conclusion, please advise our mutual clients to check if their vehicles are properly locked to prevent any frustration if a loss is suffered and a claim is rejected.