The Retail Mutual
Ralph Patel, The Look-In, Surrey
When Ralph Patel opened his first store in 1986, he was quoted over £1,000 for a year’s cover, so it is easy to see why many of his peers opted to take the risk and operate with no cover in place.
When his store was targeted in 2018, he was happy that he had sufficient cover in place. Patel was aware of the rising incidence of ram raid thefts targeting cash machines in convenience stores, but never expected to become a victim himself.
Sadly, despite his own machine being located near the back of the store, this was not enough to deter the thieves. Instead they broke their way through the store’s protective grilles, window glass and entire front door using a 4x4 pick-up.
Fortunately, Patel had comprehensive cover in place with The Retail Mutual and was able to claim for his stock and contents, as well as the damage to the fixtures and shopfront. Within a week there was little evidence of what had occurred, though Patel no longer keeps a cash machine on the premises.