from APIA product disclosure statement

Theft or Burglary  

We do not cover Loss or damage caused by thieves or burglars. Loss or damage: • caused by you or someone who lives at the insured address;

• caused by someone who entered the insured address with: your consent; the consent of someone who had your authority to allow them access to the insured address.

• caused by thieves or burglars entering the insured address from common property, shared clothes line areas, garages, storage areas or a car parking lot at the insured address without signs of forced entry, but we will cover theft without forced entry from a fully enclosed car garage which is restricted for your use only

That's how APIA keeps their premiums low. Get a decent policy.

Huh?

Theft is theft. Doesn't matter how it happens.

Report it to Police. You should be covered.

Good advice Radish.

Seems to be an industry standard that theft is not covered if it is by a person living in the house, their guests/invitees or those who are deemed by the insurer to have ‘express or implied consent’. Examples below from Product Disclosure Statements of insurers like Allianz, QBE, RACQ

We do NOT cover loss:
18. caused by or arising from actual or attempted theft, burglary or housebreaking which:
a. is committed by:
• you or your tenants,
• the invitees of you or your tenants, or
• any person who is acting with your express or implied consent.
b. … etc
———————————
A deliberate act by you, your family or another person with your express or implied consent to cause the item to be lost or damaged.
———————————
Loss or damage caused by someone who enters your home with the express or implied consent of: • you or your tenant • anyone who permanently lives with you or your tenant • a person you told could invite people to your home.

Thank you, Radish, for that sound advise.  Will do so.

That's terrible Radish.