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Just on this general subject....
I had an armed robbery back in 2007 when 2 cars were stolen - and also a Rolex LV (early flat four!!) an Omega Seamaster, diamond engagement ring.....amongst other things.
The insurer (Santander?) paid out no problem and it seemed to make no difference to premiums at renewal.
I switched insurer and insured the replacement Rolex YM as a specified item with a new insurer (Sainsburys) ......and smashed it up (attached).
The insurer picked up the bill for repair and once again seemed to have little, if any impact at renewal.
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