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From time to time the Insurance Ombudsman highlights his views on particular issues. We have pages on

• Cars stolen with the keys in them
   
• Extended warranties.

The insurance ombudsman has expressed particular concern about these types of exclusion clauses:

• Those that dramatically reduce the range of cover actually provided from that set out in the cover section of the policy
  
  
• Those where insurers exclude cover unless policyholders exercise a degree of care over their possessions or well-being which goes significantly beyond the degree of care most people actually exercise.