Who is liable for £20,000 worth of jewellery stolen during our house move?

A bag full of valuables went missing from the removals van and now the insurer won’t pay out

We had jewellery worth £20,000 stolen during our house move and our insurer is refusing to pay out. In the run-up to the move I phoned our home insurance provider, Yorkshire building society, to ask whether I was covered for the house move or whether I should get extra insurance offered by the removal firm. It phoned me back to say I would be covered for the move. On the basis of this I accepted the quote from the removals firm and did not take out the extra insurance.

On the day in question I packed a number of things into a white laundry sack – including all of my jewellery and other prized possessions – and it went into the van along with about 200 boxes packed by the removal men. It took two days to pack and some of our belongings spent the night in the van. At the new house it took several weeks to slowly unpack. I kept thinking that the white bag would appear, but to my horror it never did. I reported the matter to the police.

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