[caipi]

Hi community,

2 months ago, I was having dinner with family in a nice restaurant. We arrived at around 8pm and left around midnight.
When we went out, surprise, our car was gone. We were wondering around to see if we did leave the car further down the road.

30 minutes later, we called Police and where told to go to the station to report a potential theft.

We were in Lisbon on holidays with our car.
We took a flight back home and informed our insurance.
They sent an insurance claim officer who came along with plenty of questions.

He asked for both keys (which we have), registration documents etc.

3 weeks later, they come back to me, saying claim is rejected as they did a reading of both keys and saw that on one key, car was driven 2 hours after we were in the restaurant and was driven for 10 miles.

They basically say, that either me has driven the car or I have given keys to someone else.

It would be very un-normal that a thief steals your keys, drives away and brings keys back.

I do not know, if someone took out the key out of my jacket when we were having lunch.What I know is, when we left the restaurant, car was gone but I was in possession of my key.

I searched a bit the internet and saw that other people had same problem with AXA insurance. They claim that they did the car key reading and that car was still being used minutes or hours after the car was supposed to be parked.

I requested my keys back and now some kind of panicking.
They want their solicitor, my solicitor, a bailiff present to the reading of the keys.

They did sent me a read out of the keys done at a BMW garage and there I can see, that the car was moved around 2 hours being in the restaurant and driven around 10 miles.

Why was there no official (bailiff) present to pick up the keys or during the reading?
The insurance guy took the keys and 7 days later, the reading was done.

Now they want everything done in presence of solicitors and bailiff.

Could there be any possibility that they have altered data on my key fob?

I was in touch with a Coder and he told me, that with the right software, that would not be a problem.

Some advice would be very much appreciated.
Going to court will cost a fortune.

Just for the records:
Car is not leased, there is no finance, there are no financial problems.
I could if I wanted, have sold the car 10 times so no need to get into something dodgy like stealing my own car.


Thanks a lot.