Mmmmmm

Is that written in the policy Shef?

The element of Wilfulness requires a deliberate act of damage, ie - a state of mind.

 

Carelessness or thoughlessness doesnt cut it.

 

Police will tell you that its not willful damage and that its a civil matter.

I would suggest returning to the insurance company, and if still no luck, speak with the Insurance Ombudsman.