I am wondering what the insurance company would say if it is stolen out of garge or other places with the key left in it unattended?? Just a thought
I doubt they would say anything, Longtimer. The insurance companies know it would be impossible to prove that the thief did not search for, and find the key in your “secret hiding place” in the house or garage, and then used it to steal the Spyder…..:dontknow:
Pete
Oh they certainly do say something Pete! :yikes: . At least here in Oz, it can make a fairly substantial difference to any payout they might offer!! Why do you think they ask "
Was it locked?" or "
Did you leave the key in it?" when you file your claim??

. And even when the vehicle is wrecked/torched after someone's taken it for a joyride, there are usually some bloody obvious indicators the investigators check for juuust to see if the crim actually '
broke into & stole' your vehicle or
if they just used the key! There's even different criminal charges that apply depending on how they managed to abscond with your vehicle - ever heard of crims being charged with '
illegal use of a vehicle' &/or '
vehicle theft'? They are actually different things & aren't necessarily always used together for some very valid reasons! :lecturef_smilie:
Sure, you can argue that leaving the key in or even secreted somewhere on or near the vehicle shouldn't make any difference to the insurance payout;
the :cus:crim still stole it! And if your trashed/burned vehicle shows no signs of forced entry or evidence of a bypassed ignition, you could even argue that the crim might've found your key in its little secret hidey-hole somewhere nearby, or maybe they stole it out of your house; but it still all counts towards you as the owner taking something along the lines of '
less than adequate precautions to properly secure your vehicle' and
THAT can cost you in the long run! :banghead: . It happens,
waaayyy more often than you might think!

. And just as with sooo many other things, if you do want to argue, the Insurance company usually has
waaayyy more time, lawyers, & $$ to back up their counter argument if it ever gets to court! :shocked: