We have full time insurance and personal effects coverage for $15K from Progressive. Last week someone got into our rear storage compartment using either that C751 key or by picking the lock. They took our tools, every last one. The list is quite long and runs about $2k for replacement. Who woulda thought tools could cost so much.
We thought we would be covered. But it turns out that in most full time personal effects insurance plans there's a clause that says in effect you get zero coverage if there is no "evidence of forcible entry". So if the locks had been broken out we would have been covered for both the tools and the repair. Since there was no damage, we get nada.
Yes we understand that it's written this way in the insurance contract and yes the insurance company has the right to refuse the claim. But you'd think they'd be more interested in keeping a steady client by making at least some sort of offer than losing a client all together. But that's not their way. So we're off to find a new company.
So as a warning to all full timers, if someone gets into your RV make sure there's some sort of evidence of a break-in and make sure you replace all those C751 locks.
We thought we would be covered. But it turns out that in most full time personal effects insurance plans there's a clause that says in effect you get zero coverage if there is no "evidence of forcible entry". So if the locks had been broken out we would have been covered for both the tools and the repair. Since there was no damage, we get nada.
Yes we understand that it's written this way in the insurance contract and yes the insurance company has the right to refuse the claim. But you'd think they'd be more interested in keeping a steady client by making at least some sort of offer than losing a client all together. But that's not their way. So we're off to find a new company.
So as a warning to all full timers, if someone gets into your RV make sure there's some sort of evidence of a break-in and make sure you replace all those C751 locks.