Well they've replied to the formal complaint and they are sending a loss adjuster to visit my girlfriend tomorrow. We're assuming this is positive thing, is it positive considering she was at first declined and what can she expect?

Yeah, hopefully they'll see sense. We haven't specifically confirmed that they were gifts in writing yet, just confirmed over the phone that I gave the vast majority of the items to her to have and use in the flat. They claimed she is not legally responsible for the items in this case. Surely giving someone an item for their home, is the same as giving them a gift?

I gave them to her when she moved in to the flat, so I guess you could classify them as gifts. Surely she's legally liable/responsible for any item that is kept in her flat? I'm sure the insurance company will try arguing that a person wouldn't give someone £2.5k of gifts, when they move in to a flat.

Hi, My girlfriends flat was recently burgled and the majority of the items that stolen were purchased by myself over the past couple of years and given to her when she moved in. Now, I'm not on the insurance policy or down as being a tenant at the flat. I stay a few times a week. When we started the claim I produced receipts for almost every item but the name and address on the receipts didn't match to her current address. This was because she only moved in 4 months earlier and I'd bought the items on my card, which is registered to my address. I also produced pictures of the flat with the stolen items in the background. TV, Xbox, Wii, etc. She has a demands and needs statement that says she would like to protect, "items that do not belong to you, but for which you are responsible". The insurance company then said this policy complies with your needs. We have told the insurance company, that I gave the items to her for the flat and therefore she is responsible for them. Their reply was that she's not legally responsible for them. The vast majority of the items/furniture were given to her by family and myself. So, from their point of view nothing in the flat has ever been insured because she didn't buy them herself. Can you insure fresh air? Looking further into the policy it says (this has me concerned), "What are contents? All of the following things are included provided that: 1) They belong to You or You are legally liable for them and 2) They are mainly used for private use" Is she legally liable for the items because they're in her flat, plus I gave the items to her, so shouldn't they technically belong to her as well? I'm just wondering whether anybody has experienced this situation or anybody has any advice? Also, what is the possibility of us winning an appeal on this considering we have pictures of the items within the flat. We are considering the FSA or taking them to a small claims court. Any advice on this is appreciated? Thanks in advance, Chris

See my other topic, please delete, thanks.