I disagree with my cork endowed, wig-wearing justice. Insurance needs to be blanket coverage as there are just too many unforseens to be able to list each and all variations. Much like 3rd Party cover for your car. On that line, I imagine should an incident take place the insurer would likely pay out, and then might go seeing who they can get to pay for that payout. I’d assume that unless it’s specifically excluded in a policy that it is there-for included. And having needed to do that you can likely expect they will crank your policy price next year or exclude it going forward.