Hello all, I’ve made a claim against my car insurance policy after my house was broken into and my car stolen. The police arrested the offender a couple of days later after they were stopped with tire spikes after a short pursuit and minor collision with a guard rail.
My policy (Gold comprehensive) has a $1000 excess on it for claims with some exemptions as shown in the below image. One being “No excess payable when identified third party is at fault”
They broke into my house, stole and crashed my car, I think this is “at fault” and they were arrested, so they are an “identified third party”
But, the company says I still have to pay the excess because it isn’t a “car on car” claim. And they are unable to get the details of the driver from the police because of “privacy matters” The company’s only recourse is to go through the court system to seek restitution that way and then I might get my excess back, “but it’s highly unlikely and takes a very long time”.
A normal person would assume that no excess is payable if the mentioned conditions are met? Or am I wrong? What should I do next?