Car Theft Claim Rejected - Insurance not worth the paper its written on

Been the victim of a crime is never nice. Having an insurance policy is supposed to mitigate the financial burden of the crime and not add to the stress experienced.

I purchased the insurance based on price and the awards they received from money magazine. For the second year I reviewed the renewal quote they provided versus one I submitted on their own website. Naturally I stayed with them for a second year when they committed to price match a quote from their own.

On the night of the 29th of December my car was stolen from my driveway between 8.30pm and 11am the next day. There was no witnesses and at the time of writing the vehicle is still missing. I had locked the car and went into my house about 8pm after pumping up the wheels and I had foolishly left a spare key in the centre console earlier in the day. The centre console is made up of two levels and the key would have been on the bottom level. The console is also covered with a door. The car also had very dark tinting which would make it very hard for any thief to see a key was in the car.

Based on leaving the spare key in the console my claim was rejected. Looking at their website they say 18% of cars are stolen with key in them. Are they saying that they reject 18% of stolen car claims?
https://www.budgetdirect.com.au/car-insurance/research/car-theft-statistics.html

I find this disgraceful and want all potential customer to be aware that the cheap insurance option is not the option that will cushion your fall should you have an accident or theft happen to you.

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