In the case of contents insurance, which item would typically not be covered if stolen from locked premises?

A motorised golf buggy is typically considered a vehicle rather than personal property, which is why it generally would not be covered under contents insurance when stolen from locked premises. Contents insurance is designed to protect personal belongings situated within an insured property, such as furniture, appliances, and personal items like sports equipment.

In contrast, items such as a golf club set, a golf bag, and a set of golf balls are generally classified as personal belongings and fall under the category of contents covered by this type of insurance policy. Therefore, they would typically be eligible for coverage against theft, assuming the premises were secure and the policy terms were adhered to. The distinction lies in the categorization of the item as personal property versus a vehicle, which falls outside the scope of what contents insurance typically protects.