The claim was referred to our Property Claims Validation Team as we discovered there was a County Court Judgement associated with our policyholder, which may have been a financial motive for the claim. However, our main concern was the amount of stolen cigarettes. We appointed a Special Investigator (SI) to interview our policyholder and obtain the relevant police report.
The size of the hole where the thieves allegedly gained entry to the shop’s cigarette gantry was very small. It would have been extremely difficult for the thieves to get access to each level of the gantry and remove all 352 cigarette packets in the short space of time that they were on site.