If you’ve had good professional advice to ensure you have the cover you sought, been honest when you took out the policy, and the claim is genuine; then there should be no reason why they wouldn’t. If however, you choose to follow the example of a Spanish farmer who took out 11 insurance policies worth £3 million and then hacked off his own hand, then no. Miguel Blazquez Palacios was convicted in January for running his car off the road following the self-removal of his right hand, setting light to the car, and calling the emergency services. He proceeded to claim insurance on the basis of eight different policies. Now serving a three and a half year prison sentence he also needs to repay circa £300,000 that he had received from insurance companies.