How I propose rape claims be dealt with

Maybe we could deem that every woman has insurance against rape, even though she hasn't.

We know what bastards insurers can be sometimes when they refuse to pay out when they think the insured has been guilty of contributory negligence

http://en.wikipedia.org/wiki/Contributory_negligence

What is the situation if you don't make an insurance claim in a timely fashion and wait nearly 40 years to make it? What is likely to happen?

http://www.which.co.uk/money/insurance/guides/home-insurance-claims---how-to-make-one/home-insurance-claims---making-a-claim/

If your property has been stolen, report the theft to the police at once - failure to do so could disqualify you from making a claim according to some terms and conditions.