My car was stolen with the keys left inside — will my insurer refuse the claim?
What should you do?
- Report the theft immediately to the police and insurer.
- Give a complete and accurate account of where the keys were and why.
- Ask the insurer to identify the policy term it relies on if cover is declined.
- If you disagree with a final decision, use the insurer's complaints process and, where eligible, the Financial Ombudsman Service.
What can make a difference?
The result can depend on your level of cover, exclusions, excess, information given when the policy was arranged or renewed, who was driving, and the precise circumstances. Two policies both described as “comprehensive” can still contain different terms.
Never change the account of events to try to fit the policy; accuracy is essential.
Leaving keys in or near an unattended vehicle can be relevant to theft cover, but the outcome depends on the policy wording and facts. Give the insurer a full and accurate account and let it assess the claim under the policy terms.
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