To the extent that the general conditions of insurance companies require the production of keys to benefit from the payment of insurance compensation, the fact of only returning one key after the theft of the vehicle may deprive you, in all or part, of your right to compensation.
Indeed, the judges consider, in the light of insurance contracts, that the loss or theft of an ignition key, occurring during the contract, has the consequence of changing the risk guaranteed by the insurer.
In fact, a key “in the wild” can facilitate the theft of the vehicle.
It is for this reason that the insured must then report the theft or loss of a key to the police but also to their insurance company.
By not notifying the company of a modification of the guaranteed risk, the user may expose himself to a refusal of guarantee.
Once informed, the insurer will then be entitled to increase the insurance premium.