Stolen necklace

Following on from the incident when my necklace was stolen
Just to reiterate for those who did not read it, I had just got back from shopping and was about to get out of the car, when this woman hurled herself onto me, as if I was a good friend, hugged me and stole my necklace.
Outcome is, I went to Guardia Civil in Almoradi, which is where you go if you live in Quesada to report a crime.
I had typed out my statement and used Google translate to help the police. You must take an interpreter with you.
They were very thorough, showed me photos of suspects and I picked her out very easily even though she was wearing heavy makeup when I saw her, but none in the photograph. The police told me she had done this several times in the area, and whilst I was there people were waiting to make statement as it had happened to them.
I took the police report to my insurance company, even though the necklace was irreplaceable as was nearly 100 years old. I thought maybe I would get another momento to make me feel better. It came to just a few hundred pounds.
However, the insurance company informed me that because it was ONLY theft and I wasn't punched, knifed, or hurt in anyway, they could not honour the payment!!!!! It just doesn't make sense! They said there was no insurance company that would insure me just for theft outside my home! Please somebody prove them wrong, and if you have had experience similar to this and were paid out, please tell me the name of your insurance company so that I can inform my company that in fact, yes, there are honourable insurance companies out there. I don't want to name and shame them, as they were very good when we had a leak in our utility room last year, but I was astounded that they would not pay out a few hundred for my loss. Thank you if you have any information you think would be useful. Babsie

Normally for theft cover to be in place you would need to prove by forcible means, I would suggest by opening your car door and throwing herself on you then ripping the chain of your neck would be forcible enough! I would certainly ask to see the definition of theft cover on your policy. I worked all my working career selling insurance owning an insurance brokers, and yes all insurance companies are alike if they can get out of paying a claim they will! But I see no reason not to pay this claim although it might be different in Spain? Do you buy your insurance direct or through a broker? I would ask to see the policy wording. Good Luck.

Many thanks for your reply. Unfortunayely my car door was unlocked as I was about to get out and saw this woman running towards the car. She opened the door and flung her arms around my neck as if I was a good friend. Of course gave me a fright isnt that bad enough. Giving me nightmares seeing her smilimg face. My husband has a copy of policy and will check.

Surely contact is enough hugging around the neck is just like assault if you dont know them.

Really sorry to hear this. Very bad luck indeed.
Many insurance policies have an EXCESS which must be paid when replacing an insured item. Usually £100 or £200 or more depending on the policy. As well as that, a household insurance policy may not include ALL RISKS or OUTSIDE THE HOME I ASKED MY HUSBAND and that’s pretty much what he told me. Not word for word but as good as. It’s easy to believe that we are insured but for jewellery item must be named and a valuation given
It’s a shame that we get refused to pay up but there is so much in the small print. It’s vital to have the cover you need but it usually costs more to actually have that cover .
Perhaps you could insist that you were physically assaulted ( as Chris suggested). I would class your experience as an assault.
Go back to your company but check for the EXCESS FIRST as it may be better not to claim. You’d get so little and chances are that your policy would cost must next year.

Thank you very much for your reply. Yes we did realise this. I do have other jewellery individually insured and priced, and have no idea why this one wasnt, probably because the sentimental value was more than the monetery value. It can never be replaced, but thank you for your input

She entered your vehicle uninvited, and touched you - uninvited.

It's assault.

Ive had so much sentimental jewellery from my nan, uncle, parents and husband but as said before I sold it as I would rather benefit from the money than some lowlife steal it from me and benefit. It's no good sitting in a Safe never to see daylight.

I want to pass onto my granddaughters, I have nothing from my grandmother abd would have lived a monento

I inherited some beautiful gold jewellery which I wore and wore when I was younger. I now prefer chunky silver which is actually affordable. I made a decision that I’d give my beloved jewellery to my 2 daughters and now they are enjoying wearing it. So few people have gold pieces anymore as it’s all been melted down in the past 20 years. I kept a few pieces for myself but being 5’10” tall, very few people would dream of trying to relieve me if it!!
It’s a terrible thing to think that someone might try to steal our beloved trinkets.