Final answer:
In Germany, insurance companies may not honor a claim for items stolen from an unlocked vehicle due to a failure to take reasonable precaution. Hence, option (d) is correct.
Step-by-step explanation:
The principle reflected in this policy is reasonable precaution. In Germany, insurance companies may not honor a claim for items stolen from an unlocked vehicle because it is considered a failure to take reasonable precaution. By leaving the vehicle unlocked, the owner did not take necessary steps to protect their property, and therefore the insurance company does not consider it an insurable loss.
This means that individuals are expected to take reasonable measures to protect their property, and leaving a vehicle unlocked may be considered a failure to exercise reasonable care. While options like duty of care, negligence, and contributory negligence are related concepts, the emphasis in this context is on the idea of taking reasonable precautions to safeguard one's belongings.