In Germany insurance companies may not honor a claim for items stolen from an unlocked vehicle?

In Germany, insurance companies can generally refuse to honor a claim for items stolen from an unlocked vehicle as part of the conditions outlined in the insurance policy agreement between the individual and the insurance company.

This refusal stems from the concept of contributory negligence where the policyholder's carelessness contributed to the incident. Leaving a vehicle unlocked is considered negligence; however, the situation can vary among different insurance companies and specific policy coverage.