Apologises if anyone listened to this on account of my post and lost valuable seconds of their life
It was mainly to do with a key safe used for car keys and left on the car. Insurance company in the case refused to pay.
About 30 seconds was on house keys and the only way to be sure if your insurance company allows them is to ask or read through the T&C's. Apparently some want them hidden from view and some want the key taken out if not needed.
So no definitive answer I am afraid.
Hope this doesn't break forum rules but Mom is with Direct Line and I have just spoken to them. They have no restrictions unless your contents sum is on the high side. The call operator had look in the under writers policy terms to find that information.