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If you are the victim of theft you must report the incident to police within 24 hours.

Insurers need a crime number as part of the claim process.

However, some insurers will consider if the level of lock would have to be relevant to the specific theft claim, for example, if a property was burgled and access was gained by breaking down the front door.

In this instance, the wooden door frame could have been broken due to the force used, regardless of the lock.

In one case, a married couple bought a critical illness policy – designed to pay out a lump sum on the diagnosis of a life-threatening illness.