i work for one of the insurance companies that covers this market. i cant say who sorry, but please do look at the small print in any pds that u get from a company when they qte you. there are a few companies who will act illegally and get away with it as people just accept the word of the company come claim time. for reference, if its not written as an exclusion then you are covered. if you are told "yeah but its only covered if...." you are being fed BS. duty of disclosure goes both ways too. if u say whaalarm u have at quote time and they accept tha, they arent allowed to go back on their word from that point on until the next renewal is due. just some food for thought for you guys. but as has been said in other threads, do tell everything to the company. fines,crashes(even if u didnt make a claim or the 3rd party didnt use their cover), where its kept at night, mods especially.
cheers.