Sure:
"There is still a continuing debate in New Zealand on the differences between subjective (i.e. the person’s own viewpoint) and objective (i.e. a reasonable person’s viewpoint) recklessness, and which “type” of recklessness should be required. However, it is clear that recklessness, not just a lack of reasonable care, is the standard required to breach a reasonable care condition.
In Roberts v State Insurance General Manager [1974] 2 NZLR 312 (NZSC), it was argued that an insured motorcycle owner was reckless for leaving his broken down motorcycle on the side of the road, though he was planning to come back and collect it. The motorcycle was subsequently stolen.
While the insurance company accepted that the required standard was recklessness, they argued that the insured could have taken a number of alternative steps, such as pushing the motorcycle along the road, or asking local authorities for help, in order to reduce the risk of theft. In other words, the insured had not taken all reasonable steps under the insurance policy, to safeguard the motorcycle from loss.
The Court rejected this argument. In applying the test of Fraser outlined by Diplock LJ, the Court noted the insured had not contemplated that his motorcycle could be stolen, and had actually made arrangements to collect the motorcycle (albeit, the day after it had broken down). In summing up the decision, McMullin J held:
He [the insured] neither appreciated the risk that his motor cycle might be stolen and chose to ignore it nor did he act in a grossly negligent way. His claim for indemnity ought to have succeeded."
https://mccawlewis.co.nz/publications/reasonable-recklessless-a-guide-to-reasonable-care-conditions/
Insurance is of course good in many cases but you need to be aware of what could happen.