What if my vehicle is stolen with the keys?

The GAP insurer relies on your main vehicle insurer to settle a claim and, as long as they do, so does your GAP insurer. For example, your insurer may not settle or may significantly reduce your settlement if your vehicle is stolen with the keys left inside because they may conclude that it is negligence e.g. if the keys are left inside whilst de-icing or paying for fuel. If this is the case, your GAP insurance cannot settle.