Most bizarre insurance claims of 2018 – including misbehaving monkeys

June 17, 2019 11:42 am Published by

Insurer Aviva has revealed some of the most unusual cases it saw last year – including a hapless burglar who managed to get himself locked in the homeowner’s shed

A badly-behaved monkey, a bungling burglar trapped in a shed and an amorous horse which mistook a customer’s car for a potential mate prompted some of the most unusual claims for damage to property which insurance giant Aviva dealt with last year.

The UK’s biggest insurer said it accepted 96% of the claims it received in 2018, amounting to 991,700 commercial and personal claims collectively worth more than £3.8 billion.

It said some of the most unusual cases it paid out on last year included arranging for the bodywork of a car to be repaired after a horse mistook it for another horse and proceeded to make amorous advances.

The insurer also replaced a customer’s mobile phone after a monkey snatched a customer’s bag during a holiday and smashed the phone after rifling through the person’s belongings.

Another successful claim involved a customer needing medical assistance after being bitten by a gorilla during a trek to see the animals in their natural habitat.

And in another case, Aviva paid out a claim for damage after a hapless burglar tried to hide in someone’s shed but accidentally locked himself in, making it easier for the police to apprehend him.

Aviva said it also accepted around 3,000 weather-related motor claims in the first half of 2018, mainly due to the adverse conditions from the Beast from the East. It was advised there were also around 7,000 home insurance claims due to storm, flood and freezing conditions in the first half of 2018.

It also said a combination of dry weather and high temperatures resulted in an increase in the number of road traffic accidents reported to it over the summer of 2018. Factors such as sun glare and an increase in the number of cars on the road were thought to be contributing factors.

It said the reasons for some claims being logged but declined are common across the industry and include the value not meeting the policy excess (the first part of the claim that the customer pays), a pre-existing health condition or lifestyle choice not being declared when the policy was taken out, and claims falling outside the terms of the policy, such as for damage which is normal wear and tear.

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