Declined insurance claim

My claim was declined due to a reason that i left my phone over the counter or table at a restaurant. When I received a call from the underwriters I told them that I May have left it there by mistake because it was the last place that I went to (everybody tends to think so). I only realized when I got home from the shopping mall. Checked under my car seats and everywhere. They told me it's a neglection as I left it there intentionally in such a public place. We have incidents where people loose their phones in taxis but still get replacements. I have insured 3 devices and have been paying correctly since. I fail to understand why they would only consider what's written on the piece of paper versus what I explained to the last guy I spoke to from the <br> underwriters. 23hr you making us money ***s just like other insurances. <br> <br> You are quick to sell your insurance but bad when we have to claim. <br> <br> I have been paying for over 16 months. If you can't help me please I will need to have my premiums returned.