Does Personal Valuables Insurance Covers Being Scammed?

Lw3av3r on 11/08/2021 - 23:32
Last edited 12/08/2021 - 10:07 by 1 other user

Hello.

I got scammed for a lot of money doing a contactless delivery on Gumtree. (Buyer used a stolen credit card).

It was a laptop, and I have personal valuables insurance which covers against theft and accidental loss.

Does anyone know if this would count as theft, given I did give the scammer the item and wave goodbye?

Personal valuables insurance doesn't cover theft if you leave something in an unlocked car for example. But this seems strange to me, because at the same time you could theoretically just lie and say you lost it.

Thank you.

Financial

Comments

  • Hybroid on 11/08/2021 - 23:34

    Welcome to OzInsuranceAdvice. Contact your insurer?

    • MeesusEff on 12/08/2021 - 00:55
      +1

      Well if he does and they say no, he can't call back and claim it got stolen, theoretically.

  • SF3 on 11/08/2021 - 23:40
    +6

    on gumtree

    OzB Rule#1, CASH ON DELIVERY/COLLECTION

    • w3av3r on 11/08/2021 - 23:45
      +1

      yeah but they request contactless delivery now because of lockdown and i did dumb.

      • SnoozeAndLose on 11/08/2021 - 23:50
        +3

        So I don't think it is one of the reason you can leave home so if you contact police you may not with the fine.

        Don't scam the insurance as you may end up losing more than just the cost of the laptop when you trying to make up your story and something is not adding up.

        • w3av3r on 11/08/2021 - 23:54

          Thanks. (i didn't leave my home).

      • tsunamisurfer on 11/08/2021 - 23:52
        +7

        i did dumb

        There is no insurance for that.

        • PensionerXXL on 12/08/2021 - 08:27
          +1

          yes there is, its called a govt bailout

          look at all the banks who did dumb

      • SF3 on 11/08/2021 - 23:57

        Buyer used a stolen credit card

        Which credit card processor did you use? could they not protect you?

        • w3av3r on 11/08/2021 - 23:58

          paypal. no apparently.

  • SF3 on 11/08/2021 - 23:42
    +5

    theoretically just lie and say you lost it.

    Wowsers

    Member Since
    30 min ago

    ahem

    SF3 on 11/08/2021 - 23:42 (Collapsed - Offtopic. Show)
    • w3av3r on 11/08/2021 - 23:46
      -4

      yeah, well that IS why I was asking. wink wink nudge nudge.

      • raptormesh on 12/08/2021 - 00:05
        +2

        Don't you need to file a report for that?

        Is insurance fraud worth it?

  • Hithere on 12/08/2021 - 07:54
    +1

    Buyer used a stollen credit card

    OP must be new to the Internet as well as the OzScam Help Desk.

    Gumtree is for face to face transactions, pick-up and CASH only.

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