Claims we reject

Our policy is "all risks". That means we cover all risks except the ones we specifically exclude in our wording.

Most policies are the other way around - they will only pay for events that are listed in the policy. This means their cover is normally much more limited.

We reject very few claims, but the key areas where this happens are as follows:

• Theft out of a vehicle that is unlocked or where the equipment is in
  plain view.
• Theft where equipment is left unattended.