Burgled but no broken locks?
Theft With No Forced Entry — UK Home Insurance
Most UK home policies require forcible and violent entry for theft cover. See the exceptions and check your wording fast.
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The short answer
Standard UK contents policies require 'forcible and violent entry' for theft cover. Walk-in theft, distraction burglary and key-snatching are often excluded unless the policy specifically extends to them. Some premium policies include theft by deception.
Frequently asked
- What about theft by a cleaner with a key?
- Usually excluded — treated as theft by a person lawfully on the premises.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.