Most (if not all) insurers will understandably refuse to pay out as it’s “avoidable”
Do you know this is a ‘fact’ or are you making an assumption?
If you read most T&Cs it is fact (hence my use of the word avoidable, a direct quote from some I looked at).
I fully expected it not to be covered but just wondered how they would go about claiming the cost of the vehicle from a customer.