Areas of Law / Insurance law

My car was stolen from outside a shop after I’d left the keys in the ignition for all of 15 seconds. The car was later found burned out. My insurance company says my insurance is void in the circumstances, and I can’t afford to replace the car. Can they just refuse to pay out?

Read your insurance documents carefully: they form the basis of a contract between you and your insurance company. However your policy document will almost certainly state that “you must at all times take all reasonable steps to safeguard your vehicle from loss or damage”, or words to that effect. Since you left your keys in the ignition this could be a difficult case.

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