he should know what is covered in his policy, if the keys need locking up, he should lock them up
what will happen if you pay out and get 2 new keys cut and then one night the scum bag that pinched your keys find's your car. he can unlock it and you will only hear it when it starts up and drives off........too late, it's gone
and then you phone your insurance, they say 'didn't you have your keys stolen last week?', then 'sorry you're not covered'
it's a !Removed! situation, but he's a businessman, he's happy making money, but when something goes wrong, it IS his fault, he should foot the bill
you left it there with 2 keys, you should pick it up with 2 keys