Loom Rejects claim

Had lodged a claim with Loom insurance regarding my 2 mobile phones which where in my bag that was ******, the bag was in my car on the passenger side floor while i was travelling. I had both front windows half way open when the bag was ****** at an intersection which i was waiting to cross. Loom insurance rejected the claim stating there was no forced entry, had the phone been ****** from me directly would they also expect me to be injured to prove that i was ******? I suspect the ratings on their website are doctored.