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Home Dubai Legal Issues No insurance claim "if car is stolen due to owner's fault
No insurance claim "if car is stolen due to owner's fault PDF Print E-mail
Tuesday, 22 July 2008 00:00

 

 


Q. I had a brand new car. Sometime ago, I started the car and left the engine on before a supermarket and went in to buy some grocery items. Five minutes later when I came back, the car was gone. I reported the incident to the police and sought compensation from the company with which the car was insured. However, the company refused claiming that my fault and recklessness were behinp. the robbery. Is the company entitled to that refusal? Please, advise.

 


A. First of all, you should bear in mind that good faith, though not clearly stipulated in law, is essential in this regard. Otherwise, any insurer will refuse to pay money in compensation to a stolen item under its insurance. The client, whose insured vehicle is stolen, should have taken all precautions to be eligible for compensation.
If the police report shows that the car was irresponsibly left on in a public place, and the complainant had failed to take precautionary measures to protect it
against robbery, the insurance company will not be bound to pay any compensation. Such a person has failed to abide by good faith obligations implicitly stipulated in the insurance contract he concluded with the insurer.

Source KT legal view

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