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Beware Adrian Flux Insurance


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Forced and violent entry tends to be the common terminology owed these day, as pointed out, using a bump key, turning a handle or pushing an unlocked door is use of force. Violent will involve a breakage of some sort, potentially violently inserting a bump key could be considered.Some older policies will use an “or” instead of the “and” meaning it can be either. 

 

Most thefts are opportunist, your common household thief isn’t a master criminal, if they were they wouldn’t be doing over houses. 

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  • 2 months later...

6 months is terrible.  

 

Pen as far as I'm aware are a Lloyd's syndicate (Lloyd's of London, not the bank).

 

Lloyd's have a pretty robust complaints process, which means you can still go to the FOS, however there is dual regulation, which means they get to see a complaint first. 

 

https://www.lloyds.com/policyholder/policyholder-complaint/complaints-by-lloyds-uk-policyholders

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