So back to my original point, direct your opinion to the insurer not the insured.

You might say "big deal, take the chance"...

You'd die if you knew how much businesses spend in defending frivolous and inappropriate claims. THAT'S the reality. Businesses buy insurance to protect against these risks...I don't need one more frivolous claim to defend and if the insurer says it's so, that's the way it is.

The insurer for the Mercedes in my avatar REQUIRES that the car be in a locked garage at night. That requirement influences my behavior, limits my choice in housing, constrains how I use the car, etc. That's the way it is IF I want insurance on a classic and valuable car...