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Old 02-17-2015, 09:02 PM
 
Location: Colorado Plateau
1,144 posts, read 3,434,209 times
Reputation: 1241

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Has anyone used Purchase Security for stolen items on a credit card? My bf bought an item online for $400. It arrived but it was poorly packaged by the vendor and damaged so he wanted to return it. The vendor arranged to have DHL pick it up.
DHL notified us they were going to pick it up today so we put it out on our porch (delivered items are frequently left on our porch). We looked out a little while later and the box was gone. Then a little later DHL came by to pick it up. So it was stolen! We called DHL to confirm that they had not picked up the item.
The item was purchased with a Visa Signature card, which has Purchase Protection for damage or theft up to $500. My bf called Visa and is in the process of filling out a claims form now.
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Old 02-18-2015, 05:18 AM
 
Location: Florida
20,581 posts, read 20,582,183 times
Reputation: 24479
No, but I hope you will update to let us know how it goes.
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Old 02-18-2015, 05:30 PM
 
Location: Alexandria, VA
11,650 posts, read 20,829,023 times
Reputation: 17105
Why didn't you wait for DHL to actually pick up?
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Old 02-18-2015, 08:39 PM
 
Location: Southern California
12,460 posts, read 10,956,860 times
Reputation: 34291
Would your car insurance buy you a new car if you told them you left the keys in the ignition and it was stolen?
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Old 02-18-2015, 10:25 PM
 
24,503 posts, read 36,023,906 times
Reputation: 12852
Quote:
Originally Posted by Mr_Geek View Post
Would your car insurance buy you a new car if you told them you left the keys in the ignition and it was stolen?
Yes.
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Old 02-20-2015, 10:19 AM
 
Location: Colorado Plateau
1,144 posts, read 3,434,209 times
Reputation: 1241
Quote:
Originally Posted by Flamingo13 View Post
Why didn't you wait for DHL to actually pick up?
We couldn't be home at the time that DHL wanted to pick up. DHL told us to leave it on the porch for them.
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Old 02-20-2015, 11:09 AM
 
Location: Tyler, TX
15,210 posts, read 18,516,137 times
Reputation: 8057
Quote:
Originally Posted by NJBest View Post
Yes.
I very seriously doubt that. I'm no insurance expert, but I've never heard of an auto policy that covered you even when you've committed an act of gross negligence like that. You have responsibilities beyond paying your premium every month.
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Old 02-20-2015, 10:22 PM
 
9,649 posts, read 12,588,945 times
Reputation: 15134
Quote:
Originally Posted by Mr_Geek View Post
Would your car insurance buy you a new car if you told them you left the keys in the ignition and it was stolen?
Most policies will cover the theft. Theft coverage is usually written to cover the vehicle being stolen, not how easy it was for them to steal it. There are some of the discount policies that may include some wording about securing the vehicle just to complicate the claim process. Additionally, some state insurance laws require an exclusion like that to be separately noted and accepted by the policy holder. However, your point is a valid question.
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Old 02-27-2015, 10:54 AM
 
Location: Colorado Plateau
1,144 posts, read 3,434,209 times
Reputation: 1241
UPDATE: The claim for the stolen item was approved and they will be reimbursing us for the purchase price.
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Old 02-28-2015, 05:39 AM
 
Location: Florida
20,581 posts, read 20,582,183 times
Reputation: 24479
Quote:
Originally Posted by eofelis View Post
UPDATE: The claim for the stolen item was approved and they will be reimbursing us for the purchase price.
Great. Thanks for the update.
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