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 Honest John
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.
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