Cell phone claim declined

I logged a claim for my lost cell phone on the 10th January 2022 to Makro protect. i have just been notified that my claim was declined due to the fact that it's my fault to lose it in a public space. I accidentally forgot my phone inside the toilet in a nearby shopping center. what i do not understand is the fact that my claim can be declined as if i left it intentionally. For me to pay their insurance was to assist myself in cases whereby by i loose or damage my phone and i do not have money to replace it myself. worse part of it, i submitted everything which they requested in order to process my claim. I find it very disappointing that Makro Protect cannot help me in time of need. I am even regretting paying their insurance that couldn't even help me.