My car was stolen using a car key stolen from my house - why was this settled as an at fault claim?

We were burgled at Christmas and our car was stolen using my wife's car key. This has now been settled, but it's been registered as an at fault claim. How is the theft of a locked, alarmed and secured vehicle during a break in from a locked and alarmed home my fault? How should I challenge this?

Asked on 9 April 2018 by BYD

Answered by Tim Kelly
A fault claim doesn't necessarily mean you are at fault for the loss, it means there is no one they can claim from. Unfortunately, there's not much you can do.
Similar questions
Our car was recovered after being stolen and used in a crime. It looks like we will have to take it back from our insurer even after giving them the keys and logbook. My wife is traumatised by all this...
Our treasured Honda Concerto with mileage of 27,499 has just been stolen. We are receiving shoddy service from Direct Line despite being long time customers with fully comprehensive insurance. Could you...
I had a vehicle stolen in April which has subsequently been settled as non-recovered by my insurance company (esure). By a bizarre twist of fate I received a PCN for illegal parking today (offence dated...

Ask Honest John

Value my car