The short answer
Standard UK contents and buildings policies exclude malicious damage caused by you, anyone living with you, or anyone authorised by you to be on the premises. Once the ex has moved out and is no longer authorised to enter, damage from a forced re-entry is generally covered.
Frequently asked
- What evidence does the insurer need?
- Police crime reference, proof of forced entry, and evidence the ex no longer lived at the property.
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