Clubjazz - Honda Jazz & HR-V Forums
Honda Jazz Forums => Honda Jazz Mk3 2015 - 2020 => Topic started by: DWF on October 26, 2017, 04:24:11 PM
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On 17th July with only just over 4,000 miles and 14 months old, some little toerag broke into my house and stole my car keys along with the jacket they were in and a mobile phone. I thought I heard the front door close at around 3 am and looked out of the window to see my car gone.
Last week a young person was given 8 month prison suspended for 2 years, ordered to do 135 hours unpaid work and had a curfew imposed from 8pm to 6 am for the next 3 months, apparently it really isn't a hanging offence!
This Monday I got £4200 from the GAP insurance, which was a £79 internet purchase as opposed to the £500 dealers offer.
The things I have learnt are
The insurance company will do nothing for 2 weeks just in case it comes back
The insurance company consider it an "At Fault" claim so I have lost 4 years NCB
The police could not catch someone under the age of 55 driving a Jazz in the early hours for over 5 weeks
I have decided to take a payment 'holiday' from new car ownership for now, but may come back if the 3 cylinder engine proves a success..
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The insurance company consider it an "At Fault" claim so I have lost 4 years NCB
That seems very harsh.....what did the insurance company think you had done wrong?
You seem to be taking it all very well!
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What??????
What else are you expected to do with the car keys? Lock them in a safe over night!!!!!!!
Any excuse not to pay out.
If I was you I'd be thinking seriously about changing my insurance provider.
S**m bags.
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Damn that's bad. I'm amazed they went to all that trouble just for a Jazz. I thought burglary to get car was only used for high-end or performance marques.
I have decided to take a payment 'holiday' from new car ownership for now, but may come back if the 3 cylinder engine proves a success..
Then you probably won't be buying new again. The three cylinder+turbo concept is flawed and seems to be falling out of favour.
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The insurance company consider it an "At Fault" claim so I have lost 4 years NCB.
Did they actually say that, because normally you lose your NO CLAIMS Bonus because you had to make a claim? Fault doesn't normally come in to it.
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Damn that's bad. I'm amazed they went to all that trouble just for a Jazz. I thought burglary to get car was only used for high-end or performance marques.
I have decided to take a payment 'holiday' from new car ownership for now, but may come back if the 3 cylinder engine proves a success..
Then you probably won't be buying new again. The three cylinder+turbo concept is flawed and seems to be falling out of favour.
Bloody insurance companies give you an umbrella when the sun is shining, but if it rains they soon take it back.
Small Turbo engines = bad idea Fuel saving not good enough under real life driving and NOx emissions too high.
My brothers new Skoda 1.4 direct injection Turbo (GDI) seems OK though, claims he gets good mpg and performance is good (0-60 in 7.9sec ) - text below may explain why, there is no throttle, which means pumping losses don't exist as it behaves like a petrol / diesel engine.
The major advantages of a GDI engine are increased fuel efficiency and high power output. Emissions levels can also be more accurately controlled with the GDI system. The cited gains are achieved by the precise control over the amount of fuel and injection timings that are varied according to engine load. In addition some engines operate on full air intake. This means there is no air throttle plate, which greatly improves efficiency, and reduces piston 'pumping losses'. It also eliminates air throttling losses in some GDI engines, when compared with conventional fuel-injected or carbureted engines. Engine speed is controlled by the engine control unit/engine management system (EMS), which regulates fuel injection function and ignition timing, instead of having a throttle plate that restricts the incoming air supply. Adding this function to the EMS requires considerable enhancement of its processing and memory, as direct injection plus the engine speed management must have very precise algorithms for good performance and drivability.
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The insurance company consider it an "At Fault" claim so I have lost 4 years NCB.
Did they actually say that, because normally you lose your NO CLAIMS Bonus because you had to make a claim? Fault doesn't normally come in to it.
A good reason for protecting your NCB!
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Thanks for the input, guys. i would have replied sooner but windows 10 decided that I need a large update right away!
The insurance company with the nodding dog were almost next to useless, they would not offer a courtesy car as they are only for while your car is either assessed for write off or while in the repair shop. I may have tried to argued the case but for a 1.0 Corsa I'm not sure it was worth it.
The police who came around said that it was a dilemma whether to leave car keys next to the front door so they get in an out quick or to hide them and risk a confrontation. The only way to drive away in a car is to have the keys nowadays so they will take whatever they can get.
After two weeks I got sent (by the slowest postal method) a claim form which asked me to send off
A Statement
The crime number
The second set of keys
The V5, signed over to them
Any photos of the car, even better if I was included
Purchase invoice
Finance agreement, and any statements showing the current outstanding figure
Note
If you have GAP insurance then they will want the same documents, so you either have to copy them or give authority to them to act on your behalf to work with your insurance company
I was shocked that the final figure the insurance came up with for my 14 month old ES was £11530.00 and just as surprised when the GAP insurance company, who said NOT to agree to any figure (especially the first number they come up with) said the amount was within £50 of what they would have accepted.
On the positive side the GAP paid out £250 more than I was expecting as they included my compulsory excess.
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This has made me think I should be garaging the car again, instead of leaving it on the drive.
If only the standard garage was made one brick wider it would make things so much easier.
Sent from my XT1039 using Tapatalk
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This has made me think I should be garaging the car again, instead of leaving it on the drive.
If only the standard garage was made one brick wider it would make things so much easier.
Sent from my XT1039 using Tapatalk
Yeah mine only fits in by folding the wing mirrors. There are two supporting brick pillars in the middle that cause the difficulty. Still - mine always goes into the garage every night.
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This has made me think I should be garaging the car again, instead of leaving it on the drive.
If only the standard garage was made one brick wider it would make things so much easier.
Sent from my XT1039 using Tapatalk
Our garage is full of motorbikes and paint, our cars stay on the drive but keys always upstairs in the bedrooms at night, a petty thief is not gonna risk a confrontation with someone in the house and if it isn't a petty thief then your car may be the least of your worries. I have just fitted some Swann 1920P HD (5MP) CCTV and one camera is looking at driveway, with good infra-red visibility at night. CCTV is nowhere near as expensive or hard to DIY as most people think.
If you have outside floodlight(s) fitted an interesting fact I have found by looking at security sites etc is that if you fit a camera next to the floodlight that it makes most of the light, also intruders normally look up at floodlights when they come on and the camera has a good chance of getting good face shots. The glare from floodlight also hides the camera.
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My car keys are always in my trouser pocket. At night my trousers are over the chair in the bed room. No thief is going to risk fighting me for a 2006 Honda Jazz!
When I had two cars, the insurance was cheaper for the Jazz, and the reason the insurance company gave was "if a thief broke into the house there is a 50% chance they will take the other car". They wanted to put it up when I sold the Volvo. When I said I would seek a quote elsewhere they changed their mind!
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My car keys are always in my trouser pocket. At night my trousers are over the chair in the bed room. No thief is going to risk fighting me for a 2006 Honda Jazz!
I remember watching a comedian once and he said if ever anyone breaks into his house he will start effing and blinding in his best Scottish accent as Scots are known for their aggression and 'don't give a flying f*ck if I kill you mate' attitude.
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Doesn't work as well in Scotland, I'm afraid. We all sound like hard men here!
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Sorry to hear of your troubles DWF. I know losing the car was just the start of your problems, alternative getting about, paperwork and the stupid onerous task dealing with Insurance (I've just moved away from the Doggy bag company) as I found their renewals were out of touch with accident free motoring.
I hope you can move on, you must also have to repair doors / locks etc on your house and live with the thought someone else without your permission has been in and violated your belongings.
Keeping the keys hidden or in a safe leaves you or your loved ones open to threats and violence with possibly worse consequences so keeping them secure (downstairs away from you person) in my opinion is the better way to go.
I hope you can put this behind you soon, it's not something anyone should have to endure. Regards John
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Sorry to hear of your troubles DWF. I know losing the car was just the start of your problems, alternative getting about, paperwork and the stupid onerous task dealing with Insurance (I've just moved away from the Doggy bag company) as I found their renewals were out of touch with accident free motoring.
I did the same with insurance from a well known supermarket (actually provided by a well known Scottish bank I believe). The first renewals was fine for my old Mk2. When I upgraded to the Mk3 it only cost £40 for the last six months. The first Mk3 renewal was fine (£220 I think - over 50, 15+ years NCB). Then last year's renewal was £360.
The other quotes were around £240 so I called them to see if they could improve the renewal offer. They offered to knock £20 off and reminded me that I got double clubcard points.
So I went elsewhere. Stupid insurance companies.
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Keeping the keys hidden or in a safe leaves you or your loved ones open to threats and violence with possibly worse consequences so keeping them secure (downstairs away from you person) in my opinion is the better way to go.
I would agree with you if you had a Bentley, Aston-Martin or high end sports car on the drive, or even a LandRover Defender, which are well in demand by vehicle thieves (and will be in a shipping container on the way to Russia or middle east within 24 hours) but a Honda Jazz ??? Most scrotes would not be seen dead driving a Jazz. I would fit a couple of LED floodlights with PIR looking at your drive - mount the lights high up facing down so they don't annoy the neighbours, it is amazing what a bit of light does to deter people from hanging around, and don't just have them coming on for a few seconds - I have the 'time' dial turned right round to maximum ( about 8 to 10 mins) on all mine - they only draw about 10 to 30 watts anyway so is hardly gonna show on your bill if they stayed on all night.
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John, as you say the car theft is the gift that keeps on giving.
After 5 weeks, and me phoning the insurance most days, I was told that the cheques, one to me and one to Honda Finance, were posted on the Friday ( I got the balance between what I owed and their valuation minus the Excess). On the Tuesday night the police called saying that they had found my car :o
I spoke to the insurance the next day who assured me that the claim was over, so I phoned them back a couple of hours later and told them where to collect 'their' car as I had no claim on it, was no longer insured for it, had no keys, and it was on false number plates
This was 2 days before I was due to pay for a secondhand car, so it could have ended badly with me going from no car to 3 cars, my own, a courtesy car while mine was assessed, and the one I had put a deposit on.
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Well done DWF. If the piggin insurers can't be more helpful then you did the right thing after the car was recovered. I don't know where you live but it would be a bit of justice if the car was in a 'scrote' area. In my plod days, when cars were taken NOT stolen ( good old British law its only taken and driven away unless a period of time elapses) if they were found in the Met police area, the loser had to move pretty fast. We had a case whereby a Ford Capri GT was reported stolen. A couple of days later Met found it. Owner notified and off he went only to find what was left of it on bricks. The response from finding to owner 'collecting' was only a few hours.
Hopefully your insurers will have nothing to sell the breakers by the time they collect the car!!!!!!!!!!!!!!
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I have a set of Peugeot keys left in the hallway; they are from a company pool car that disappeared from the office along with several Land Rovers. Nobody ever asked for them back so they act as decoys now.
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TG
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We had an Astra pool car stolen in Nottingham. The police notified us that they had found it but by the time we got there, an hour later, it had been stolen again. The next time the police found it, it was a burned out shell.
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Chapter 3 of the saga
After a couple of weeks I got a phone message from the insurance, and also one from the police compound. I phoned them back the next day, the nodding dog company wanted to know if the car was really at the compound as they had been and found it to be a Ford Fiesta! I had told them that my car was on false plates AND I found out later from the compound that the driver even turned up with a new set of my plates to take the car away, so why did they look for the number plate rather than for poor old Metallic Sporty Blue "PJ"?
The police had recovered the Fiesta just a day or so earlier and the compound had not updated their system with it's correct details
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It seems that the 'villains' are getting are getting smart. Nick a Jazz because nobody thinks a Jazz would be taken.
Do a job, nobody would think twice about a Jazz driving away, they would all be looking for the BMW with smoking tyres driving off.
As to the compound records not being up to date, problem is now days most of that sort of work would be done by civilians who are there in many cases just for the job. In days of yor, a copper had to be aware of the good ol discipline code. Drop a ricket however small and woe betide you.
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Old colleague (Sales Director!) led out of his house at 7am in handcuffs in front of sobbing wife and children after a BMW using his cloned plate involved in hostile robbery. What can you do?
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TG
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Old colleague (Sales Director!) led out of his house at 7am in handcuffs in front of sobbing wife and children after a BMW using his cloned plate involved in hostile robbery. What can you do?
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TG
Sue the police for wrongful arrest...
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Don't think you can till you were charged (wrongfully).
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Old colleague (Sales Director!) led out of his house at 7am in handcuffs in front of sobbing wife and children after a BMW using his cloned plate involved in hostile robbery. What can you do?
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TG
Sue the police for wrongful arrest...
One of my motorbiking mates had his van number plate cloned and after intial contact with Derby police about it they accepted that it wasn't his van that had been through speed cameras and driven away from petrol stations without paying. About a week later he was pulled over by a patrol car in Staffordshire and asked to get into the back of the Police car, he refused and asked them if it was about the cloned plate and the copper confirmed it was, my mate showed him a card the Derby policewoman who did the initial investigation gave him and asked him to ring the number on card to check, the copper refused several times and made threatening noises to my mate but then rang the policewoman. Turned out my mate had already proved it wasn't his blue transit because his had ladders on the roof and 'XXX' Pest Control over the side and back. Just goes to show that even if you are innocent the Police can still get heavy.
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A clergyman I know had his car stolen from his drive. The thieves abandoned it just around the caller. The police took it way on a transporter to check for finger prints etc. When they had finished, the clergyman had to pay £350 to get the car back from a pound (miles away).
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It saddens me greatly to read these stories about the modern day police. I appreciate I have been retired a few years but I am afraid I too get a little concerned when we are constantly reminded of how hard our police are working and have no time to attend to this and that. AND YET I frequently see them pull up in a marked car and go into a supermarket and do some shopping. If it's for something to eat and it sure doesn't look like it, where is their forward planning? Why not use a shop in less high profile circumstances and NO I don't think it's a case of police presence as a deterrent. In my days this was a definite NO NO. If they want to do shopping wait until they have finished. Here the police station is about one mile from Tescos who are open 24hrs a day. Unfortunately even in my day we had coppers who liked to chuck their weight around. The copper who refused to check should have been reported, YES I know then you become a marked man. As to having a vehicle taken away for fingerprints and NOT returned, I would suggest a solicitor's letter here. That is not good enough. Where was the incident on the Orkney's? no fingerprint personnel closer than that. Most police areas aren't that big. Sorry Jocko your police are different due to the huge mileages involved.
It used to be a retired copper could be proud of that fact, no more. Who removed the discipline code? With their black uniforms ( mine was dark blue that's why we were called the boys in blue) and their power walk makes them look like some pseudo para military group and that is NOT what the British bobby was known to be. Oh dear is this a sign of getting old.