[mdp2021]

The anecdote from cf100clunk is apical and worth spreading (and I do not believe represents a "single isolated case"), but the follow-up J. suggests is not impossible:

a story is known (not verified) of someone who insured a box of precious cigars, but in time smoked them, then requested payment from the insurance - presumably thinking "if one is fool enough to cover consumables, then has to follow consequently": the insurance company sued the insurer for arson.