This one is a Trade one, a garage owner had his garage broken in-to and some cars were stolen
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He informed the insurance company who told him as the theft was as a result of a break-in it was an issue for buildings insurance (even though that they had broken in to steal the cars), so he informed the buildings insurance who tried to say that because they had stolen the cars it was an issue for the car insurance
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Someone from the insurance (buildings, but they may have both been with the same insurance company, buildings & car) came out to asses the situation, they had a look around & went
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He then got a letter saying that because the garage wasn't a brick structure (two brick gable-ends with some sort of sheeting on the roof & sides) that the building wasn't covered
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So with the above comment in mind, the thieves actually smashed a whole through the rear gable-end (brick) as it was away from the road (no one could see them), to gain entry, so it didn't actually matter that the sides may have been an easy access point as they got in through a brick-wall anyway
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So basically neither insurance wanted to pay-out, leaving the garage owner to either foot the bill himself or to try and persuade the owners of the vehicles to claim on their own insurance so that they could get some money back (the cars haven't turned up yet)
, at least one car owner hasn't been paid out by any insurance
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