Item found after settled insurance claim.

[meerkatsmimm]

Hi,

I'm asking on behalf of my mother in law (not not in the best place mentally).

Approx 10yrs ago, perhaps a little longer, she claimed for the loss of a piece of jewellery on her home insurance policy.

Having recently been sorting through her stuff for a home move the item has turned up in the inner pocket of a handbag that nearly went off to the charity shop

It was worth £2000 so a substantial enough loss/claim.

Do I find out who her insurers were and inform them? Can I get it valued for insurance purposes today? Will she have to 'hand it back'?

Feel like a very naughty school child right now, or like a criminal handling stolen property, so would appreciate some advice.

Please feel free to move the post if there is a more appropriate place

[EXC]

Re: Item found after settled insurance claim.

If it was a genuine mistake there's no need to feel like a criminal.

Do you still have the policy and do you have a copy of the claim?

Also you could try posting on the MSE insurance board http://forums.moneysavingexpert.com/...splay.php?f=21

[meerkatsmimm]

Re: Item found after settled insurance claim.

i just feel like i have something that doesn't belong to us iykwim, because she has had a payout for its loss. Yes, it was genuine on her part but she can't remember who she was insured with and we haven't found any paperwork from the insurers either....will have a look on the mse site, thanks x

[EXC]

Re: Item found after settled insurance claim.

You made a genuine claim because was lost. You're now doing the right thing by making the effort to find out what the right thing to do is. You've done nothing wrong.

[IsItRequired]

Re: Item found after settled insurance claim.

Sell it and donate the money to charity...if you have no paperwork and do not feel comfotable having something for nothing ,then surely thats a good option.

[des8]

Re: Item found after settled insurance claim.

Technically the item mow belongs to the insurance company.
If you are really uncomfortable with not being able to return the item you may be able to trace the insurers through the "Claims and Underwriting Exchange" . Most major insurers contribute to it and individuals may access it on payment of a small fee (£10?).
WWW. insurancedatabases.co.uk