To the insurances gurus, In the process of assessing different polices. In scenarios where the motorcycle is parked, locked and the rider walks away and the keys are lost. Stolen through their clothing. There is no footage available and the rider is not able to identify when the keys were stolen. They were just walking down the street and did not realise someone had taken their keys.. When you policy contains an unlocked exclusion clause for theft, does someone have examples of how insurance companies make a decision on such cases ?