I didn't see the initial claim forms, but I was involved in the dispute processes. And like I've said below, insurance isn't an idiot here. They come out ahea

I didn't see the initial claim forms, but I was involved in the dispute processes. And like I've said below, insurance isn't an idiot here. They come out ahead on pretty much every situation, either as a wash for money but with way more data for their actuaries, or they increase premiums if larger robberies occur more frequently. 'Insurance always comes out ahead' is a great axiom to live by.