Key in the car maybe, but I find that last one hard to believe^
I know if you willingly hand someone keys to drive your car it's not stolen, but there's a difference when a theft of your property (keys) has occurred...no different to someone rolling you in the street for your keys and making off with your car. Would be ridiculous for any insurance company to deny that claim just because the thief had a key and didn't hotwire it. A police report for the theft and you'd be able to take that one up with the insurance company @ VCAT.