No, a tolerance is allowed of five minutes in either direction, so technically ten minutes.This is covered under the 2015 Insurance Act and it would be deemed a breach of the insurance regulations if you were penalised. The only time an insurer can reject a claim under the 2015 Act is where evidence of fraud exists. The police would see it as different matter. If you were minutes away from home you would probably be fine, if you were hours away and had the reasonable foresight to know you would not home in time before it lapsed, then they would prosecute.