We had House Insurance with JL and made a claim for my set of golf clubs stolen from my car, which were out of sight and in the locked boot. They refused the claim on the grounds that there was no evidence of force used to enter the vehicle. I related to JL that the Police Officer who made out the crime report said that cloned keyfobs were a common means of breaking into vehicles in the area and the fact that my neighbor also had his car broken into in similar fashion two days later was rejected out of hand, quoting the policy statement which says: What is covered What is not covered Theft from motor vehicles unless at the time of the loss or damage: • someone aged 16 or over was in the motor vehicle, or • the motor vehicle was securely locked, and • force and violence were used to get into the motor vehicle, and • the items stolen were out of sight in a locked boot or closed compartment. Any amount exceeding £3,000 for items left in an unattended motor vehicleWhat is covered What is not covered 1. Loss or damage to personal possessions or money belonging to you or your family while anywhere in the world. The excess, this is the first part of any claim that you must pay. Loss or damage from the cost of remaking any film, disc or tape or the value of any information contained on it. Theft from motor vehicles unless at the time of the loss or damage: • someone aged 16 or over was in the motor vehicle, or • the motor vehicle was securely locked, and • force and violence were used to get into the motor vehicle, and • the items stolen were out of sight in a locked boot or closed compartment. She couldn't give me a clear definition of what this meant although she was adamant, the claim will be refused