As Tamara Ecclestone and her husband learned the hard way, having home insurance doesn't necessarily mean you're covered for every eventuality.
The F1 heiress and Jay Rutland were unable to recoup any of the £25million lost in Britain's biggest burglary because of an astonishing insurance blunder.
International jewel thieves ransacked the family's Kensington mansion while they were on holiday, taking millions worth of priceless gems, watches and cash.
But the family could not claim a penny back for the stolen goods because the insurance policy for their lavish £75million home contained an exemption clause for watches and jewellery that had previously gone unnoticed.
The bombshell was one of several revelations in the Daily Mail's new podcast Heists Scams and Lies: The Hunt for Tamara Ecclestone's Missing Diamonds.
Home insurers are now accepting as few as one in three claims to get properties fixed after fires, flooding and other issues, with rejections rising in recent years.
The percentage of claims accepted for buildings and contents policies in 2023 was 72 per cent - down from 76 per cent in 2022, Financial Conduct Authority data found. For buildings-only cover it was 63 per cent in 2023, down from 67 per cent.
MailOnline has now gone through some of the common reasons for insurers not paying out – from lack of cover to underinsurance and the 'wrong type of weather':
Many claims are rejected because someth...
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