Am I covered for theft if my vehicle is stolen with the keys?

We rely on your motor insurer to provide cover, and as long as they do, so do we. For example, your insurer may not settle or may significantly reduce your settlement if your vehicle is stolen with the keys because of your negligence, i.e. the keys are left in the vehicle whilst de-icing or paying for fuel. If this is the case, your GAP insurance cannot settle.

If your keys are stolen from your house or bag, your insurer would likely make a settlement. In this scenario, your GAP policy will still pay the difference between their settlement and either the invoice price, replacement vehicle cost or outstanding finance, depending upon the type of policy you have.