RE: Car insurance questions/Theft.
most policies include a section specifically for loss/theft of keys and therefore will pay for replacement locks/keys/infrared keypad and normally this doesn't affect your no claims bonus. Obviously, if the policy is Third Party only this wont be covered.
Following the theft of the keys, if the car were then subsequently stolen, before insurers would pay out you would probably be asked to prove how the thief knew your identity/garaging address of the vehicle (this wouldn't be a problem if the keys were taken from your home).
Theft of keys directly from your vehicle is usually excluded.
hope this helps.
"it is always by way of pain one arrives at pleasure" Marquis De Sade