I inquired I could not get a definitive answer but they did say they will do a detailed investigation to uncover the circumstances. Sounded very strict to me. As with all insurance the insured wants to get covered for the loss and the insurer wants to look for reasons to deny the claim. Just be sure you abide to what is printed in the contract and if something is not clear call and get it clarified with the department that does the claim research.
I think the low rates are for very restricted use.