On friday morning, 21082009, my family were victims of a burglary at home while we were in the house. Thankfully we were not harmed in anyway. The main issue is that apart from the household contents stolen our car keys and house keys were also stolen.

I am told by Auto and General that I need to pay the normal excess plus a theft excess and in addition to this I need to pay the vehicle excess to replace the keys for the vehicle.

I am absolutely astounded that the attitude of the company is they would rather admit a claim for the theft of the vehicle than use common sense and reduce their own risk by paying for the replacement of the keys. Unfortunately I am not in the posiion to pay the extra vehicle excess and live in constant fear that my vehicle can be stolen at any time as the theives know exactly what my car looks like and the registration number.

There is always the standard response of it is (hidden) in your terms and conditions but I will take this further to the Ombudsman. The claim arose out of one incident and there should be one excess payable! Short term insurers are getting away with THEFT everyday!