Your personal finance questions – Why will my insurer not cover the theft of gifts from my car?

QI did some early Christmas shopping last weekend. I spent more than €800. I went for a coffee before going home and put all the presents and toys in the boot of my car. When I got back to the car, it had been broken into and the boot emptied. However, when I contacted my insurer, they said they don’t cover theft of items from a boot, even though I had it locked. Could this be good?

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