If I'm not mistaken, the insurance firm would be in breach of contract law, unless you signed something with a clause that allowed them to pay out purely at their discretion. Statutory laws also limit what clauses could exist in a contract, so the firm that included such a clause could be accused of selling invalid (i.e.illegal) insurance policies.they don't have to. It’s for you to prove you were complying with the terms of your insurance.
Insurance companies are not your friend, they employ clever people who’s only mission is to find a reason disbar your claim.
‘you were going shopping? Which shop?
’Dear Sir, we are dismissing your claim as we note your accident did not occur on a route from your home to your nearest Tesco’.