With a theft claim it tends to be more a case of them wanting to ensure they pay valid claims.

I had a client who was a friend of a friend whose car was stolen and ended up in the Thames, Aviva were not happy about the claim and interviewed the guy a couple of times and eventually checked the data on the key. (The car had apparantly been stolen without the key)

They rang me and explained they did not believe the clients story but felt the event was probably covered but need the customer to tell the truth and that this was his last chance to tell the truth before they declined the claim and would then decline any further cover for him.

I had a chat with the guy and eventually he said I'll tell you as long as the Insurers don't tell my wife, I explained they would not they just want the truth. It turned out he had been out with his mistress who had been "distracting" him while he drove. He lost control, drove throw a fence and landed in the Thames. They both panicked and ran away. The police discovered a £50k Audi in the river with no signs of survivors so went around to his house and broke the door down when they got no answer.

The guy then was worried about his wife finding out about the mistress so made an alibi and pretended the car had been stolen.

I gave this to Aviva and they happily paid the claim out under the accidental damage section which it was covered by. It gave them an excellent example case for training staff

Amongst the data the keys hold will be the VIN of the vehicle they are matched to along with the ECU serial number so it shouldnt be difficult to confirm if the keys are genuinely for your vehicle or another one. I would have thought it very unlikely the investigators have not checked this important detail before speaking to you but its not impossible for an oversight to happen. I suppose you could always ask for independent confirmation of the data if you wish.

As an aside.....and call me a cynic if you wish but when people post questions in here regarding keys and insurance company theft disputes you have to ask why.

People seem to assume its always the insurance company being awkward but is there not a possibilty that the individuals concerned might have been up to no good and are looking for ways and means to defend themselves?

Hmmmmmm!!!!