What if my vehicle is stolen with the keys?

The policy insurer relies on your main vehicle insurer to settle a claim and, as long as they do, so does this policy insurer. For example, your insurer may not settle your vehicle if 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, this policy insurance cannot settle.