@KillerHulk:

 

to be precise , following are the points they mentioned :

 

"This cover provides for:

 

1. The sudden and unforeseen accidental damage to the chattel; and

 

2. The Theft of the Chattel from a secure premises or a secure motor vehicle and for which there is substantiated evidence of a forcible entry into the premises or motor vehicle

 

Occurring anywhere in New Zealand, unless otherwise excluded."

 

If this is the only wording of theft in your policy, it requires (the presence of the word  "and") theft from a secure premise or secure MV, followed by the word "and" - means requires evidence of forcible entry.

And in your case not even close to meeting the words on the policy.

Any other wording there?