What puzzles me is what the MOT has to do with a theft claim. It was stolen period. You did not leave the keys in it with the engine running.... which might be conceivably a reason for an
insurance company to dispute a claim.
On the contrary you booked an MOT and drove legally to the MOT station.
I suggest the ombudsman route is a the way to go. Meantime I hope everyone reading this will boycott the company. We had a moho stolen (Transit mk7) and LV were fantastic. Sadly they no longer offer moho
insurance.