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I'll bet they already do that, Terrence. They are very proactive in the defence of their own interests. And some breach of the policy terms leads to a complete denial of liability.

On that note I handled a claim recently in France where property damage had been caused by a water pipe burst in winter because the house owner had not turned off the supply. Her insurers accepted the claim, but abated it by 30% for this reason. This is frequently a condition of French insurance policies. Securing the house properly, or rather failure to do so, is similarly dealt with. This seems preferable to our 'all or nothing' system.

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