Thank you so much for your reply and thoughts Unclebulgaria 67 , they are more or less what we think , To be fair when I rang both Coveare and Lloyds Tsb the people I spoke to on the phone all appeared equally shocked that this stipulation was placed on the policy when I had clearly answered no when asked whether an alarm had been fitted .I am deeply shocked still and am still awaiting a reply from there underwriters ,I am still hopeful that they will see sense here and simply settle the claim , If they want the alarm stipulation to remain I am happy then to ask them to either provide me cover with this removed even if the premium rises or just cancel the policy and take my business elsewhere to a provider who will insure us without an alarm fitted .Thank's once more I will keep you all informed of developments ,fingers and toes crossed that a suitable and fair outcome can be made .

Thank's Honeybee , I hope they can offer some advice as I feel very deflated and angry at present

Hi this is my first post on here , hope someone can please advise me .We came home from 5 nights away at my mothers last week to find our garden shed had been broken into and my fishing equipment was stolen so I contacted my insurance company who arranged for a loss adjuster to visit yesterday , before she left she advised us that all was ok she just needed to check what the maximum amount covered on our policy was and get back to us , We had'nt heard back from her by lunchtime today so I got back to the insurance company who advised me that a stipulation had been added to the policy in 2012 that stated that a home security system must be installed and in use and serviced yearly from a registered company ,I was flabergasted to hear this as this was the first I have heard of this ,it was'nt on the policy when I first took it out in 2009 ,I checked my policy and on the documentation on page one question 3 is Do you have a burgler alarm fitted ? . and my reply is in black and white NO . I Checked the small print on this years and last years policy and the alarm issue was placed on there in 2012 due apparently to us living in an high risk area ,I am absolutely distraught as they are saying my insurance is invalid and has been since this stipulation was put on ,I feel that the company knowing I had no alarm should have written to me stating there new rules and offering me the choice of complying with it and installing an alarm or offer me a policy with this stipulation removed even if the costs rose or just said because I had no alarm fitted they wouldnt insure me ,I feel misslead and that I have been robbed twice ,I paid my policy month after month loyally ,while all the time the insurance company knew full well my policy was worthless ,I have contacted the ombudsman and F.S.O who both think I have a good case ,I have also formally complained to both coveare and lloyds tsb ,I am very worried and upset though so any help or guidance would be gratefully received ,Thanks Guys