Insurance company can reject claim for stolen car if you don't have all keys

To avoid getting your insurance claim rejected, you must keep both car keys handy at the time of making an insurance claim. However, the regulator, IRDAI, has not made it mandatory for the insurer to ask for both car keys before accepting the claim.

from Wealth-Economic Times https://economictimes.indiatimes.com/wealth/insure/motor-insurance/insurance-company-can-reject-claim-for-stolen-car-if-you-dont-have-all-keys/articleshow/72002929.cms