Following on from our last post, we hammer home the importance of reading the small print of your insurance policy and how it relates to your car keys. This particular story concerns a recent hearing held by the Australian Finance Complaints Authority which determined in favour of the Insurance Company, who refused to pay up after a surfer’s car keys were used to steal his car from a beach car park.

How did it happen?

Presumably, the surfer didn’t want to take his car keys out with him in case they got lost so instead decided to attach them to the tow bar of his vehicle in a “lock key safe” which was secured by a Surf Lock with a pin code. After surfing, he returned to his car only to find that his keys, along with the car, had gone.

How much did it cost?

Although the car (a 2016 Volvo Wagon) was recovered two weeks after the theft, it had been damaged inside and out. The owner also claimed for the use of a hire car and for the loss of some personal possessions. The claim, totalling $12,202, was refused by the insurance company despite the car owner saying that they didn’t make it clear that his policy would be invalid under circumstances like this.

The insurers then hired the services of a forensic locksmith to investigate the circumstances of the theft. The car locksmith found that, although it was indeed possible to make and programme new keys for the Volvo, it would most likely take a car locksmith around 5 hours to unlock it and programme a new key to the car.

He also determined that if new keys were programmed to the vehicle without the owner’s knowledge, the pre-existing keys would be deleted and wouldn’t be registered to the vehicle’s engine immobiliser. However, the owner’s keys were in fact still registered to the immobiliser and therefore being used in the vehicle at the time the theft occurred. This would mean that there wouldn’t have been any prior attempt to steal it using this methodology.

Although the forensic locksmith did concede that an opportunist thief could have gained access to the car, the specialised knowledge and equipment that would have been needed to overcome the car’s immobiliser seemed unlikely in these circumstances.

He concluded that the most likely scenario was that the original keys were taken from the safe box attached to the tow bar and used to start the vehicle.

The moral of the story

Regardless of whether you’re a surfer or just a regular Joe that doesn’t like keeping your car keys in your pocket, it’s probably worth taking some advice from this forum thread where one commenter says:

“Don’t use one of these. You’d be safer leaving the key in the car!

These things have a flimsy case and a weak combination lock but worst of all – they sit in full view so anyone knows that inside that box are the keys to your car.

It’s madness.”

Although we’re not trying to diss the effectiveness of a Surf Lock, publicly displaying it on the outside of the vehicle is likely to attract the gaze of an opportunist car thief. And worse still, your insurance company may well refuse any claim you make if it’s stolen. With this in mind, it’s a good idea to take steps to protect your car from being stolen. If you do. you’ll have a lot less to worry about and, of course, a lot less chance of invalidating your own policy due to negligence.

Special thanks to Derek Rielly over at Beach Grit for covering the story. Read more stories like this from around the world.

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