Yea I get that. But they couldn't, surely, refuse to pay out if you're upstairs having a dump and someone walks in your front door and swipes your laptop?
They might try and put you off with their t's&c's but, at a guess, if you were to peruse your claim and had to go to court they'd have a hard time not paying out?
No idea. Ultimately you have a contract with the insurer and which places obligations on both parties and it will come down to that contract and whether that contract was fairly formed.
Similarly if your car is stolen because you left your door unlocked with the keys right next to it, you will have problems claiming.
The other issue is that people might just lie. Oh I lost my laptop, there is zero evidence because my door was unlocked.
