That a lot of insurance companies will not pay out in the event your car is stolen, if you inadvertantly leave your keys in the car... even if fully comp.
I've just been looking up the terms/conditions on a few insurance companies just to see if this applied with most insurance companies.
Apparently a friend of my wifes was telling her in the village this afternoon about her daughter having her car stolen in Birmingham at the weekend. It seems she had left her keys in the car while she went to pay for her fuel, and some thug jumped in and drove it away.
However, what I was surprised to hear was the fact her insurance company are saying they would refute her claim in the event the car ends up damaged or it's not recovered (it's not turned up yet.. it seems)
because she left the keys in the car!
Anyway, having done a little research it appears this policy of not paying out in the event you leave your keys in the car appears to apply to many insurance companies.
The quote below is from just one well known insurance company FAQ.
Is my vehicle covered if I leave my keys in the car?
No. You should take all reasonable steps to ensure that your car is locked and secure to prevent theft. Failure to do so could invalidate any claim you have.
So... something worth bearing in mind, I'm sure this is something we have all done at one time or another. Though I would always remove the keys when refueling etc. I have certainly been guilty of leaving keys in cars when cleaning them. Though my current car does'nt use a key exactly, though the keyfob does have to be in my pocket, for the keyless system to work.